First Federal Savings and Loan Association of Lorain

Lorain, OH

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	7.40
Capitalization Index	9.00
Liquidity Index	0.30
Profitability Index	0.80
Stability Index	5.00

Company Info	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
FDIC Number	29838
Phone Number	(440) 282-6188
Website	www.fflorain.bank

Asset Quality	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	7.82%
5-Year Asset Growth	4.50%
5-Year Charge-Offs to Average Loans	-0.13%
Charge-Offs to Average Loans	-0.05%
Non-Performing Assets to Assets	0.54%
Non-Performing Loans to Capital	4.20%
Non-Performing Loans to Loans	0.66%

Balance Sheet	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	573.81M
Total Deposits	499.76M

Capital and Reserves	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Capital	53.32M
Leverage Ratio	10.36
Loan Loss Reserves to Loans	0.42%
Risk-Based Capital Ratio	20.34

Liquidity	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	18.34%
Liquidity Ratio	10.73%

Profitability	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.27%
Net Income	218.00K
Net Interest Spread	2.22%
Operating Profit to Average Assets	0.08%
Overhead Efficiency Ratio	96.02%
Return on Assets	0.08%
Return on Equity	0.82%