First Federal Savings and Loan Association of Lorain: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.98 percentage points lower than in Q1 2026, at 11.02%. First Federal Savings and Loan Association of Lorain ranks 34th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 94.25% (Q2 2026). First Federal Savings and Loan Association of Lorain reported 94.25% on loan-to-deposit ratio for Q2 2026, 13.42 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $471.0M |
| Net loans and leases | $469.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.09% |
| Loan-to-deposit ratio | 94.25% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.80% |
| Commercial and industrial | 0.01% |
| Consumer | 0.09% |
| Credit cards | 0.09% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.02% |
| Construction concentration (Tier 1 capital + allowance) | 4.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.79% |
| Interest income on loans | $5.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $360.4M | $425.9M | 0.00% | 0.00% | 0.17% |
| Q4 2023 | $355.7M | $420.4M | 0.00% | 0.00% | 0.16% |
| Q1 2024 | $351.8M | $416.7M | 0.00% | 0.00% | 0.17% |
| Q2 2024 | $347.6M | $418.6M | 0.00% | 0.00% | 0.22% |
| Q3 2024 | $346.5M | $407.2M | 0.00% | 0.00% | 0.16% |
| Q4 2024 | $346.9M | $414.0M | 0.00% | 0.02% | 0.16% |
| Q1 2025 | $360.8M | $419.2M | 0.56% | 0.02% | 0.14% |
| Q2 2025 | $388.9M | $457.1M | 0.52% | 0.02% | 0.12% |
| Q3 2025 | $433.6M | $486.6M | 0.46% | 0.02% | 0.11% |
| Q4 2025 | $448.8M | $506.2M | 0.44% | 0.02% | 0.10% |
| Q1 2026 | $457.0M | $500.2M | 0.00% | 0.02% | 0.10% |
| Q2 2026 | $471.0M | $499.8M | 0.00% | 0.01% | 0.09% |
First Federal Savings and Loan Association of Lorain loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Lorain, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Association of Lorain profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29838) · FFIEC NIC profile (RSSD 144678)