First Federal Savings and Loan Association of Lorain

Lorain, OH

Rating Date

March 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	7.10
Capitalization Index	9.40
Liquidity Index	0.60
Profitability Index	0.40
Stability Index	4.40

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	14.26%
5-Year Asset Growth	4.50%
5-Year Charge-Offs to Average Loans	-0.16%
Charge-Offs to Average Loans	-0.05%
Non-Performing Assets to Assets	0.60%
Non-Performing Loans to Capital	4.37%
Non-Performing Loans to Loans	0.76%

Balance Sheet	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	573.10M
Total Deposits	506.20M

Capital and Reserves	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Capital	53.01M
Leverage Ratio	10.59
Loan Loss Reserves to Loans	0.40%
Risk-Based Capital Ratio	20.93

Liquidity	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	19.22%
Liquidity Ratio	17.57%

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	-0.24%
Net Income	-361.00K
Net Interest Spread	1.93%
Operating Profit to Average Assets	-0.11%
Overhead Efficiency Ratio	105.40%
Return on Assets	-0.07%
Return on Equity	-0.70%