Side-by-side · Q2 2026 data
The Andover Bank vs First Federal Savings and Loan Association of Lorain
Bank
First Federal Savings and Loan Association of Lorain
Lorain, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The Andover Bank | First Federal Savings and Loan Association of Lorain |
|---|---|---|
| TellerScore | 72 (stronger) | 60 |
| Capital cushion | 46 | 54 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 52 (stronger) | 23 |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 50th | 19th |
| Total assets | $595.1M | $573.8M |
| Deposits / shares | $553.1M | $499.8M |
| Capital ratio | 9.63% | 10.36% (stronger) |
| Problem loans | 0.26% (stronger) | 0.41% |
| Net charge-offs | 0.02% | -0.05% (stronger) |
| Return on assets | 0.79% (stronger) | 0.08% |
| Loans ÷ deposits | 50.6% (stronger) | 93.9% |
| Uninsured deposits | 13.2% (stronger) | 22.8% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
The Andover Bank has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Andover Bank leads on 5 and First Federal Savings and Loan Association of Lorain on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.