Side-by-side · Q2 2026 data
Civista Bank vs First Federal Savings and Loan Association of Lakewood
Bank
First Federal Savings and Loan Association of Lakewood
Lakewood, Ohio · $1 billion – $10 billion
Metric by metric
| Measure | Civista Bank | First Federal Savings and Loan Association of Lakewood |
|---|---|---|
| TellerScore | 75 (stronger) | 56 |
| Capital cushion | 77 (stronger) | 34 |
| Loan quality | 69 | 85 (stronger) |
| Earnings | 78 (stronger) | 43 |
| Funding & liquidity | 64 (stronger) | 48 |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 77th | 15th |
| Total assets | $4.3B | $2.9B |
| Deposits / shares | $3.5B | $2.2B |
| Capital ratio | 12.71% (stronger) | 8.37% |
| Problem loans | 0.92% | 0.44% (stronger) |
| Net charge-offs | 0.05% | -0.48% (stronger) |
| Return on assets | 1.45% (stronger) | 0.57% |
| Loans ÷ deposits | 92.4% (stronger) | 107.7% |
| Uninsured deposits | 18.3% (stronger) | 19.1% |
| Offices | 42 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 12.5% |
Civista Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 5 and First Federal Savings and Loan Association of Lakewood on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.