First Federal Savings and Loan Association of Lakewood: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings and Loan Association of Lakewood of Lakewood, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.27% | 1.46% | -1.19% | 5th bottom |
| ROAE | 3.45% | 12.73% | -9.28% | 7th bottom |
| Net Interest Margin | 2.26% | 3.85% | -1.59% | 3rd bottom |
| Efficiency Ratio | 87.18% | 57.37% | +29.81% | 3rd bottom |
| PPNR / Avg Assets | 0.32% | 1.88% | -1.56% | 3rd bottom |
| Yield on Earning Assets | 4.58% | 5.72% | -1.14% | 9th bottom |
| Cost of Funds | 2.42% | 2.02% | +0.40% | 24th bottom |
| Net Interest Spread | 1.85% | 3.18% | -1.33% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 58th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans | 0.80% | 1.31% | -0.51% | 14th bottom |
| ACL / NPLs (Coverage) | 172.78% | 543.78% | -371.00% | 49th below |
| Texas Ratio | 4.58% | 7.39% | -2.81% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.93% | 17.34% | -5.41% | 23rd bottom |
| Tier 1 Ratio | 11.93% | 17.38% | -5.45% | 23rd bottom |
| Total Capital Ratio | 12.92% | 18.43% | -5.51% | 21st bottom |
| Leverage Ratio | 8.37% | 11.44% | -3.07% | 4th bottom |
| Equity / Assets | 7.97% | 11.34% | -3.37% | 7th bottom |
| TCE / Tangible Assets | 7.89% | 10.50% | -2.61% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.57% | 86.93% | +21.64% | 6th bottom |
| Core Deposit Ratio | 84.66% | 85.56% | -0.90% | 34th below |
| Uninsured Deposit Ratio | 19.13% | 33.14% | -14.01% | 85th top |
| Wholesale Funding Ratio | 15.29% | 5.69% | +9.60% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.08% | 9.69% | -9.61% | 16th bottom |
| Loan Growth (Y/Y) | -1.76% | 8.07% | -9.83% | 10th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.62% | 7.87% | -2.25% | 56th above |
See First Federal Savings and Loan Association of Lakewood's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of Lakewood, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Federal Savings and Loan Association of Lakewood profile, how to read a UBPR, or how this data updates.