Side-by-side · Q2 2026 data
First Federal Savings and Loan Association of Lorain vs Portage Community Bank
Bank
First Federal Savings and Loan Association of Lorain
Lorain, Ohio · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association of Lorain | Portage Community Bank |
|---|---|---|
| TellerScore | 60 | 74 (stronger) |
| Capital cushion | 54 | 58 (stronger) |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 23 | 62 (stronger) |
| Funding & liquidity | 58 | 79 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 19th | 57th |
| Total assets | $573.8M | $552.2M |
| Deposits / shares | $499.8M | $489.6M |
| Capital ratio | 10.36% | 10.83% (stronger) |
| Problem loans | 0.41% | 0.27% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 0.08% | 1.06% (stronger) |
| Loans ÷ deposits | 93.9% | 81.2% (stronger) |
| Uninsured deposits | 22.8% | 8.5% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Portage Community Bank has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association of Lorain leads on 1 and Portage Community Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.