FDIC Cert #29838 · Lorain, Ohio · Est. 1921

First Federal Savings and Loan Association of Lorain - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$573M
Total assets
C
Health grade · Fair
-0.07%
Return on assets
20.3%
Tier 1 capital

Data updated July 2026

The verdict

First Federal Savings and Loan Association of Lorain earns a PlainBankData health grade of C (60/100), with well-capitalized at 20.30% Tier 1, -0.07% ROA, 105% efficiency ratio.

#1,624
largest of 4,313 FDIC banks by assets
62nd
percentile by asset size, nationally
20.30%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 29838 · OH C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3774/4307
  • PHOTO-FINISH Dearborn Federal Sav… · MI
  • TIER1-WELL 20.3% Tier 1
  • TEXAS-CLEAN 3.4% Texas
  • ROA-LOSS -0.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Dearborn Federal Savings Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Federal Savings and Loan Associ…

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Community B… · IN ·…60/100Blue Foundry Bank · NJ · near60/100Dearborn Federal Sav… · MI ·…60/100First Federal Saving… · OH ·…60/100Midland Federal Savi… · IL ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Savings and Loan Associ… · July 2026

Call Report read for First Federal Savings and Loan Associ… in a high-failure state

First Federal Savings and Loan Association of Lorain (FDIC Cert #29838) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,774 of 4,307. Tier 1 capital prints at 20.30%, clearing the 10% well-capitalized line. The Texas Ratio is 3.42%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.07%. Balance-sheet scale is $573M, 1,624th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dearborn Federal Savings Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Federal Savings and Loan Associ…

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

First Federal Savings and Loan Association of Lorain sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about First Federal Savings and Loan Association of Lorain's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How First Federal Savings and Loan Association of Lorain's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
First Federal Savings and Loan Association of Lorain's composite health score
Tier 1 Capital Ratio (20.30%) 40/40
Return on Assets (ROA) (-0.07%) 0/25
Texas Ratio (3.42%) 20/20
Efficiency Ratio (105.40%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$573M

Total balance-sheet footings

Total Deposits

$506M

Customer-funded liabilities

Net Loans

$447M

Outstanding loan book

Net Income

$-361K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.9% 20.3% 21.7%
Basel III capital ratios - First Federal Savings and Loan Association of Lorain

Where First Federal Savings and Loan Association of Lorain ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association of Lorain's score of 60/100 falls in the highlighted band.

First Federal Savings and Loan Association of Lorain: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Savings and Loan Associ… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Federal Savings and Loan Association of Lorain's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings and Loan Association of Lorain's $573M falls in the highlighted band.

Capital & credit buffers at First Federal Savings and Loan Associ…

Tier 1 capital ratio
Well-capitalized 10%

20.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.30%
Texas Ratio
3.42%
Equity Capital
$53M

What these ratios mean →

Profitability metrics: First Federal Savings and Loan Associ…

Return on Assets (ROA)
5th percentile nationally
-0.07%
Return on Equity (ROE)
-0.70%
Efficiency Ratio
105.40%

What these mean →

Income & expense: loss period at First Federal Savings and Loan Associ…

$21M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings and Loan Association of Lorain reports a Texas Ratio of 3.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Federal Savings and Loan Association of Lorain

First Federal Savings and Loan Association of Lorain's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-361K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Federal Savings and Loan Association of Lorain up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First Federal Savings and Loan Association of Lorain on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($573M here), outside Ohio so the neighborhood is not state containment.

INSOUTH Bank $573M · TN Community State Bank $572M · IN Salem Co-operative Bank $572M · NH Regional Missouri Bank $574M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association of Lorain (FDIC Cert #29838) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Federal Savings and Loan Association of Lorain Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%