TellerScore

First Federal Savings and Loan Association of Lakewood is a savings bank headquartered in Lakewood, Ohio, in business for about 91 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.2B in deposits, with 21 offices.

First Federal Savings and Loan Association of Lakewood has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 143rd. Problem-loan coverage contributes the most (91/100, 4.3%); capital cushion contributes the least (34/100, 8.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.37%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 107.7% · 19.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (50 → 56), mostly because the earnings component improved by 28 points.

TellerScore
505559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202451
Q4 202450
Q1 202550
Q2 202550
Q3 202552
Q4 202552
Q1 202659
Q2 202656
Tier 1 leverage ratio
5.00%6.69%8.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.21%
Q3 20247.94%
Q4 20247.84%
Q1 20258.08%
Q2 20258.03%
Q3 20258.23%
Q4 20258.15%
Q1 20268.38%
Q2 20268.37%
Noncurrent loans
0.25%0.51%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.62%
Q4 20240.62%
Q1 20250.76%
Q2 20250.40%
Q3 20250.39%
Q4 20250.44%
Q1 20260.45%
Q2 20260.44%
Return on assets
-0.12%0.38%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.25%
Q4 20240.25%
Q1 20250.27%
Q2 2025-0.12%
Q3 20250.02%
Q4 20250.11%
Q1 20260.88%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$2.9B8.37%0.44%0.57%107.7%
Q1 202659$2.9B8.38%0.45%0.88%109.6%
Q4 202552$2.9B8.15%0.44%0.11%109.6%
Q3 202552$2.9B8.23%0.39%0.02%110.7%
Q2 202550$2.9B8.03%0.40%-0.12%115.8%
Q1 202550$3.0B8.08%0.76%0.27%109.7%
Q4 202450$3.0B7.84%0.62%0.25%110.4%
Q3 202451$3.0B7.94%0.62%0.25%112.2%
Q2 202456$2.9B8.21%0.25%0.31%114.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.37%
5th
Total risk-based capital12.92%
41st
Problem loans0.44%
56th
Net charge-offs-0.48%
100th
Return on assets0.57%
10th
Net interest margin2.30%
3rd
Efficiency ratio87.6%
3rd
Loans to deposits107.7%
5th
Uninsured deposits19.1%
84th
Loan-loss reserves0.80%
15th
Texas ratio4.3%
43rd

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers & Merchants State BankBank Archbold, OH70 out of 100, Strong$3.5B9.4%0.27%vs
LCNB National BankBank Lebanon, OH68 out of 100, Moderate$2.2B9.3%0.34%vs
CFBank, National AssociationBank Columbus, OH64 out of 100, Moderate$2.2B11.6%1.14%vs
Union Savings BankBank Cincinnati, OH74 out of 100, Strong$4.0B10.5%0.70%vs
Waterford Bank, N.A.Bank Toledo, OH66 out of 100, Moderate$1.8B10.4%0.68%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs

Deposit insurance

Is my money safe at First Federal Savings and Loan Association of Lakewood?

Yes. First Federal Savings and Loan Association of Lakewood is an FDIC-insured institution (FDIC certificate #29488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.1% of deposits ($426.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.92% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

First Federal Savings and Loan Association of Lakewood lists 21 offices in 19 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings and Loan Association of Lakewood reported 1,641 home-loan applications under HMDA (LEI 549300DPWFIO1S3DF358): 1,189 originated ($336,805,000 total), 172 denied, and 268 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Federal Savings and Loan Association of Lakewood
Former names
First Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29488
RSSD ID
318974
Primary regulator
OCC
Holding company
First Mutual Holding Co
Established
July 19, 1935
Headquarters
14806 Detroit Ave, Lakewood, OH 44107
Employees
255

Quick answers

First Federal Savings and Loan Association of Lakewood: common questions

Is First Federal Savings and Loan Association of Lakewood FDIC insured?

Yes. First Federal Savings and Loan Association of Lakewood is an FDIC-insured institution (FDIC certificate #29488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings and Loan Association of Lakewood's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Federal Savings and Loan Association of Lakewood ever failed?

There is no failure record for FDIC certificate #29488 in the FDIC failed bank list.

How many branches does First Federal Savings and Loan Association of Lakewood have?

21 offices as of the latest FDIC data.

Nearby

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