Third Federal Savings & Loan Association of Cleveland: 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.
Reserve coverage of non-performing loans dropped 21.58 percentage points in Q2 2026, from 187.40% to 165.82%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Third Federal Savings & Loan Association of Cleveland is 114th of 156 on return on assets, 0.69% as of Q2 2026, below the middle of the field. Third Federal Savings & Loan Association of Cleveland reported 0.69% on return on assets for Q2 2026, 0.61 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.73% |
| Tier 1 risk-based capital ratio | 15.73% |
| Total risk-based capital ratio | 16.65% |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 9.91% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.48% |
| Allowance for credit losses to loans | 0.45% |
| Reserve coverage of non-performing loans | 165.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 6.86% |
| Net interest margin | 1.87% |
| Efficiency ratio | 58.46% |
| Yield on earning assets | 4.72% |
| Cost of funds | 3.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 159.75% |
| Core deposits to total deposits | 77.93% |
| Brokered deposits to total deposits | 9.03% |
| Deposits to assets | 56.38% |
| Securities to assets | 2.65% |
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 | 17.15% | 17.15% | 17.87% | 9.82% | 0.43% |
| Q4 2023 | 17.22% | 17.22% | 17.96% | 9.77% | 0.45% |
| Q1 2024 | 17.40% | 17.40% | 18.13% | 9.79% | 0.45% |
| Q2 2024 | 17.33% | 17.33% | 18.06% | 9.96% | 0.44% |
| Q3 2024 | 17.17% | 17.17% | 17.91% | 10.11% | 0.40% |
| Q4 2024 | 16.74% | 16.74% | 17.59% | 9.96% | 0.51% |
| Q1 2025 | 16.72% | 16.72% | 17.58% | 10.04% | 0.48% |
| Q2 2025 | 16.51% | 16.51% | 17.37% | 10.10% | 0.49% |
| Q3 2025 | 16.53% | 16.53% | 17.40% | 10.11% | 0.59% |
| Q4 2025 | 15.82% | 15.82% | 16.79% | 9.81% | 0.50% |
| Q1 2026 | 15.89% | 15.89% | 16.85% | 9.94% | 0.53% |
| Q2 2026 | 15.73% | 15.73% | 16.65% | 9.99% | 0.69% |
Third Federal Savings & Loan Association of Cleveland vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Federal Savings & Loan Association of Cleveland, 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 Third Federal Savings & Loan Association of Cleveland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30012) · FFIEC NIC profile (RSSD 915878)