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.
FDIC Call Report plate
Cert 30012 · OH A · 82/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL
- GRADE-A A (82/100)
- MID-PACK #1723/4307
- PHOTO-FINISH Oconee Federal Savin… · SC
- TIER1-WELL 15.8% Tier 1
- TEXAS-CLEAN 2.2% Texas
- ROA-THIN 0.51% ROA
- SIZE-LARGE $10–100B
- BOOK-FULL 9/9 fields
Nearest health peer outside Ohio: Oconee Federal Savings and Loan Association, SC (±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 Third Federal Savings and Loan Associ…
Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.
Call Report read for Third Federal Savings and Loan Associ… in a high-failure state
Third Federal Savings and Loan Association of Cleveland (FDIC Cert #30012) carries a PlainBankData health grade of A at 82/100, 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 #1,723 of 4,307. Tier 1 capital prints at 15.82%, clearing the 10% well-capitalized line. The Texas Ratio is 2.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.51%. Balance-sheet scale is $17.5B, 113th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Oconee Federal Savings and Loan Association (SC), 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 Third Federal Savings and Loan Associ…
9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus
Third Federal Savings and Loan Association of Cleveland 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 Third Federal Savings and Loan Association of Cleveland'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 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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
82 Top 40% higher than 60% of 4,307 FDIC-insured banks
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
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.
Capital & credit buffers at Third Federal Savings and Loan Associ…
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: Third Federal Savings and Loan Associ…
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.16%
Efficiency Ratio
63.06%
Income & expense at Third Federal Savings and Loan Associ…
$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% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($17.5B here), outside Ohio so the neighborhood is not state containment.
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.
Third Federal Savings and Loan Association of Cleveland 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 →| 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% |