First Federal Savings and Loan Association of Lorain

Lorain, OH

Rating Date

October 2025

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	9.70
Liquidity Index	0.80
Profitability Index	0.30
Stability Index	4.90

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	9.94%
5-Year Asset Growth	2.81%
5-Year Charge-Offs to Average Loans	-0.16%
Charge-Offs to Average Loans	-0.05%
Non-Performing Assets to Assets	0.63%
Non-Performing Loans to Capital	2.99%
Non-Performing Loans to Loans	0.82%

Balance Sheet	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	562.90M
Total Deposits	486.63M

Capital and Reserves	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Capital	52.29M
Leverage Ratio	10.80
Loan Loss Reserves to Loans	0.40%
Risk-Based Capital Ratio	21.29

Liquidity	First Federal Savings and Loan Association of Lorain Lorain, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	37.42%
Liquidity Ratio	18.80%

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	-454.00K
Net Interest Spread	1.86%
Operating Profit to Average Assets	-0.17%
Overhead Efficiency Ratio	108.44%
Return on Assets	-0.11%
Return on Equity	-1.18%