First Federal Savings and Loan Association of Lorain: 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 Lorain of Lorain, OH against its peer group of 2672 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 | 0.07% | 1.35% | -1.28% | 5th bottom |
| ROAE | 0.74% | 13.32% | -12.58% | 5th bottom |
| Net Interest Margin | 2.24% | 3.93% | -1.69% | 2nd bottom |
| Efficiency Ratio | 96.15% | 61.12% | +35.03% | 4th bottom |
| PPNR / Avg Assets | 0.09% | 1.68% | -1.59% | 3rd bottom |
| Yield on Earning Assets | 4.35% | 5.67% | -1.32% | 6th bottom |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 1.93% | 3.32% | -1.39% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 0.94% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 0.42% | 1.28% | -0.86% | 2nd bottom |
| ACL / NPLs (Coverage) | 63.96% | 1539.57% | -1475.61% | 16th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.92% | 7.33% | -1.41% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.68% | 19.50% | +0.18% | 76th top |
| Tier 1 Ratio | 19.68% | 19.54% | +0.14% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.34% | 20.62% | -0.28% | 74th above |
| Leverage Ratio | 10.36% | 12.14% | -1.78% | 39th below |
| Equity / Assets | 9.29% | 11.38% | -2.09% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.09% | -1.80% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.25% | 80.63% | +13.62% | 20th bottom |
| Core Deposit Ratio | 74.69% | 86.87% | -12.18% | 8th bottom |
| Wholesale Funding Ratio | 2.96% | 5.03% | -2.07% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.82% | 6.85% | +0.97% | 74th above |
| Loan Growth (Y/Y) | 21.12% | 7.90% | +13.22% | 93rd top |
| Deposit Growth (Y/Y) | 9.33% | 6.29% | +3.04% | 80th top |
See First Federal Savings and Loan Association of Lorain's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of Lorain, 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 Lorain profile, how to read a UBPR, or how this data updates.