Total Assets
$17.5B
Total balance-sheet footings
FDIC Cert #30012 · Cleveland, Ohio · Est. 1938
Third Federal Savings and Loan Association of Cleveland - FDIC Bank Health Profile
A community-scale look at Third Federal Savings and Loan Association of Cleveland's own numbers, pulled straight from its quarterly FDIC Call Report.
- $17.5B
- Total assets
- A
- Health grade · Excellent
- 0.51%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
Third Federal Savings and Loan Association of Cleveland earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.82% Tier 1, 0.51% ROA, 63% efficiency ratio.
- #113
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 15.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Third Federal Savings and Loan Association of Cleveland's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Third Federal Savings and Loan Association of Cleveland's composite health score
Tier 1 Capital Ratio (15.82%) 40/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (2.19%) 20/20
Efficiency Ratio (63.06%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.5B
Customer-funded liabilities
Net Loans
$15.8B
Outstanding loan book
Net Income
$89M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Third Federal Savings and Loan Association of Cleveland ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Third Federal Savings and Loan Association of Cleveland's score of 82/100 falls in the highlighted band.
Third Federal Savings and Loan Association of Cleveland'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). Third Federal Savings and Loan Association of Cleveland's $17.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.82%
Texas Ratio
2.19%
Equity Capital
$1.7B
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.16%
Efficiency Ratio
63.06%
What the numbers say about Third Federal Savings and Loan Association of Cleveland
Third Federal Savings and Loan Association of Cleveland is an FDIC-insured institution (Certificate #30012) headquartered in Cleveland, Ohio, established in 1938. It holds $17.5B in total assets - 113th of 4,313 FDIC-insured banks, $10.5B in customer deposits, and $15.8B in net loans. Capital-wise, the Tier 1 ratio sits at 15.82%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.19%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Third Federal Savings and Loan Association of Cleveland sits in the top decile of all FDIC-insured institutions by asset size (113th of 4,313), and within Ohio it ranks 7th of 158 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is The Park National Bank, at $9.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$777M
Interest Income
$24M
Non-Interest Income
$202M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Third Federal Savings and Loan Association of Cleveland reports a Texas Ratio of 2.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
National size peers: banks closest to Third Federal Savings and Loan Association of Cleveland by assets
Measured strictly by total assets rather than geography, Third Federal Savings and Loan Association of Cleveland's closest national peers include Enterprise Bank & Trust, ServisFirst Bank, Community Bank, Busey Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Ohio. Averaged across this asset-matched cohort, return on assets runs 1.04% (Third Federal Savings and Loan Association of Cleveland is below that at 0.51%), the efficiency ratio averages 56.25% (Third Federal Savings and Loan Association of Cleveland runs higher at 63.06%), and Tier 1 capital averages 12.56% (Third Federal Savings and Loan Association of Cleveland holds more at 15.82%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $17.5B in assets, Third Federal Savings and Loan Association of Cleveland has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Third Federal Savings and Loan Association of Cleveland (this bank) | OH | $17.5B | 0.51% | 63.06% | 15.82% |
| Enterprise Bank & Trust | MO | $17.3B | 1.29% | 56.65% | 11.94% |
| ServisFirst Bank | AL | $17.7B | 1.58% | 31.70% | 11.83% |
| Community Bank, National Association | NY | $17.0B | 1.11% | 58.83% | 12.02% |
| Busey Bank | IL | $18.1B | 0.92% | 57.43% | 13.97% |
| Northwest Bank | PA | $16.8B | 0.92% | 63.71% | 12.75% |
| Bank of Hope | CA | $18.5B | 0.42% | 69.20% | 12.82% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Third Federal Savings and Loan Association of Cleveland (FDIC Cert #30012) - 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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
| The Park National BankNewark | $9.7B | A | 1.90% |
| Peoples BankMarietta | $9.6B | A | 1.27% |
Frequently asked questions
What is Third Federal Savings and Loan Association of Cleveland's health grade?▼
Third Federal Savings and Loan Association of Cleveland receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Third Federal Savings and Loan Association of Cleveland?▼
Third Federal Savings and Loan Association of Cleveland holds $17.5B in total assets and $10.5B in deposits, ranking 113th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cleveland, Ohio.
Is my money safe at Third Federal Savings and Loan Association of Cleveland?▼
Yes, deposits at Third Federal Savings and Loan Association of Cleveland (Certificate #30012) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Third Federal Savings and Loan Association of Cleveland's Tier 1 Capital Ratio?▼
Third Federal Savings and Loan Association of Cleveland has a Tier 1 Capital Ratio of 15.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Third Federal Savings and Loan Association of Cleveland?▼
Third Federal Savings and Loan Association of Cleveland has a Texas Ratio of 2.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Third Federal Savings and Loan Association of Cleveland?▼
Third Federal Savings and Loan Association of Cleveland has an Efficiency Ratio of 63.06%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Third Federal Savings and Loan Association of Cleveland's profile as a depositor or analyst.
- Third Federal Savings and Loan Association of Cleveland's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Third Federal Savings and Loan Association of Cleveland against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.