BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Lorain
Community
Specialty: Mortgage
OH
FDIC cert 29838
Designations: ✓ Mutual
Lorain, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
First Federal Savings and Loan Association of Lorain has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.06% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 27% in Community
- - NIB Deposit Bleed: Bottom 33% in Community
- - Return on Assets 1.23% below tier
- - Net Interest Margin 1.69% below tier
- - Efficiency Ratio 42.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$573.1M
+14.3% YoY
+1.8% QoQ
|
-$818.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$447.0M
+29.5% YoY
+3.5% QoQ
|
-$528.5M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$506.2M
+22.3% YoY
+4.0% QoQ
|
-$658.4M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
-0.07%
+89.1% YoY
+41.4% QoQ
|
-1.23% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.98%
+58.4% YoY
+3.2% QoQ
|
-1.69% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
105.40%
-30.0% YoY
-2.8% QoQ
|
+42.77% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.42%
-46.4% YoY
-1.1% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
88.30%
+5.9% YoY
-0.5% QoQ
|
+5.24% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
7.62%
-23.9% YoY
-1.0% QoQ
|
-13.42% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-39.2% YoY
+0.6% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
20.30%
-17.0% YoY
-1.8% QoQ
|
+10.06% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.39%
-24.0% YoY
+30.0% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.30%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Liquidity Overhang
risk
#72 of 268 · Bottom 27% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.30%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.30%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#30 of 89 · Bottom 33% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
7.62%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.07%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
1.98%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
105.40%
(Tier avg: 62.63%, National avg: 65.09%)
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
Tier 1 Capital Ratio
Current: 20.30% · Tier avg: 10.24%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.30% · Tier avg: 83.06%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
22
22th pctile
Total Loans
Current: $447.0M · Tier avg: $975.5M
14
14th pctile
Total Deposits
Current: $506.2M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $573.1M · Tier avg: $1.4B
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.62% · Tier avg: 21.05%
3
3th pctile
Return on Assets
Current: -0.07% · Tier avg: 1.16%
2
2th pctile
Net Interest Margin
Current: 1.98% · Tier avg: 3.66%
1
1th pctile
Efficiency Ratio
Current: 105.40% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 105.40% · Tier avg: 62.63%
2
2th pctile
Net Interest Margin
Current: 1.98% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: -0.07% · Tier avg: 1.16%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.62% · Tier avg: 21.05%
11
11th pctile
Total Assets
Current: $573.1M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $506.2M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $447.0M · Tier avg: $975.5M
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.30% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.30% · Tier avg: 10.24%