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First Federal Savings And Loan Association Of Lorain
Lorain, OH · FDIC Certificate #29838 · Chartered 01/0
Total assets
$573.81M
Total deposits
$499.76M
Total equity
$53.32M
Net loans
$469.07M
Branches (offices)
6
Net income (YTD)
$218.00K
Rank: #1,611 of 4,213 U.S. banks by assets · #50 of 155 in Ohio. Assets changed 7.8% and deposits 9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.08% |
| Return on equity | 0.82% |
| Net interest margin (YTD) | 2.27% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 10.36% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 100.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $470.47M | 100.3% | |
| Commercial & industrial | $67.00K | 0.0% | |
| Consumer / individual | $446.00K | 0.1% | |
| Construction & development | $3.03M | 0.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $487.14M | $389.54M | -$246.00K | $54.60M |
| Jun 2023 | $538.68M | $435.13M | -$997.00K | $51.22M |
| Jun 2024 | $521.45M | $418.62M | -$2.09M | $49.78M |
| Jun 2025 | $532.21M | $457.12M | -$480.00K | $51.33M |
| Jun 2026 | $573.81M | $499.76M | $218.00K | $53.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $499.76M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $499.76M.
Similar-sized banks
Enterprise Bank ($573.97M) · Mid-America Bank ($573.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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