BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Lakewood
Community
Specialty: Mortgage
OH
FDIC cert 29488
Lakewood, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
First Federal Savings and Loan Association of Lakewood faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22% in Community
- - Liquidity Strain: Bottom 32% in Community
- - Return on Assets 1.05% below tier
- - Net Interest Margin 1.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
-2.6% YoY
+0.3% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.4B
-2.8% YoY
-0.7% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.2B
-2.1% YoY
+0.3% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.11%
-54.9% YoY
+378.0% QoQ
|
-1.05% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.24%
+7.0% YoY
+1.3% QoQ
|
-1.43% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
85.79%
+0.4% YoY
-15.2% QoQ
|
+23.16% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.45%
-28.1% YoY
+12.3% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
109.63%
-0.7% YoY
-1.0% QoQ
|
+26.57% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.06%
+3.8% YoY
+9.5% QoQ
|
-6.98% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.37%
-28.2% YoY
+11.3% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.94%
+2.3% YoY
+0.8% QoQ
|
+1.69% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.36%
-8.1% YoY
+36.8% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#34 of 152 · Bottom 22% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.79%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#163 of 513 · Bottom 32% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
109.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 10.24%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 21.05%
5
5th pctile
Efficiency Ratio
Current: 85.79% · Tier avg: 62.63%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.63% · Tier avg: 83.06%
4
4th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.16%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.63% · Tier avg: 83.06%
5
5th pctile
Efficiency Ratio
Current: 85.79% · Tier avg: 62.63%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 21.05%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 10.24%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M