First Federal Savings and Loan Association of Lorain: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.21 percentage points higher than in Q1 2026, at 63.96%. First Federal Savings and Loan Association of Lorain has the 9th lowest return on assets of the 156 banks headquartered in Ohio, at 0.07% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, First Federal Savings and Loan Association of Lorain reported 0.07% on return on assets in Q2 2026, 1.19 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.68% |
| Tier 1 risk-based capital ratio | 19.68% |
| Total risk-based capital ratio | 20.34% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 5.92% |
| Allowance for credit losses to loans | 0.42% |
| Reserve coverage of non-performing loans | 63.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.07% |
| Return on equity | 0.74% |
| Net interest margin | 2.24% |
| Efficiency ratio | 96.15% |
| Yield on earning assets | 4.35% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.25% |
| Core deposits to total deposits | 74.69% |
| Brokered deposits to total deposits | 19.91% |
| Deposits to assets | 87.10% |
| Securities to assets | 10.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.58% | 25.58% | 26.25% | 12.08% | -0.48% |
| Q4 2023 | 25.52% | 25.52% | 26.21% | 11.98% | -0.83% |
| Q1 2024 | 25.24% | 25.24% | 25.93% | 11.84% | -0.83% |
| Q2 2024 | 24.75% | 24.75% | 25.43% | 11.73% | -0.77% |
| Q3 2024 | 24.53% | 24.53% | 25.22% | 11.76% | -0.40% |
| Q4 2024 | 24.46% | 24.46% | 25.15% | 11.78% | -0.47% |
| Q1 2025 | 23.87% | 23.87% | 24.55% | 11.83% | -0.31% |
| Q2 2025 | 22.39% | 22.39% | 23.03% | 11.29% | -0.07% |
| Q3 2025 | 20.67% | 20.67% | 21.29% | 10.80% | 0.02% |
| Q4 2025 | 20.30% | 20.30% | 20.93% | 10.59% | 0.07% |
| Q1 2026 | 20.10% | 20.10% | 20.74% | 10.32% | 0.08% |
| Q2 2026 | 19.68% | 19.68% | 20.34% | 10.36% | 0.07% |
First Federal Savings and Loan Association of Lorain vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Lorain, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)