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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

First Federal Savings & Loan Association of Lakewood

Lakewood, Ohio · $2.94B in assets · beside the 11 other Ohio banks between $1B and $3B

The filing

108.6%
Loans / deposits
12th of 12
8.0%
Equity / assets
12th of 12
0.57%
ROA
12th of 12

First Federal Savings & Loan Association of Lakewood is the largest of the 12 Ohio banks nearest its size between $1B and $3B, with $2.94B in assets at 30 June 2026. Loans are 108.6% of deposits, the highest in the cohort against a median of 88.1%, and equity is 8.0% of assets, the lowest in the cohort. Loans grew -1.8% in the year, the slowest in the cohort, and deposits grew 5.6%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.44% of the book, 8th of 12 against a median of 0.32%; 0.16% is 30 to 89 days past due, and the allowance covers them 1.8 times. Commercial real estate is 15.1% of loans, 2nd of 12 against a median of 32.5%, and 138% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 0.57%, the lowest in the cohort against a median of 1.19%, on an efficiency ratio of 87.6%, the highest in the cohort. Five years ago it was 0.63%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Loans as a share of depositsOH banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 88.1% SB Sutton Bank 29.8% UB Union Bank Co. 72.5% VC Vinton County National Bank 81.2% CC Croghan Colonial Bank 81.8% SB State Bank & Trust Co. 85.5% OV Ohio Valley Bank Co. 87.3% GS Guardian Savings Bank 89.0% WB Waterford Bank N A 89.7% MS Main Street Bank Corp. 92.7% LN LCNB National Bank 93.6% CN Cfbank National Association 99.5% FF First Federal Savings & Loan Association of Lakewood 108.6%
Loans, year over yearOH banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.6% CC Croghan Colonial Bank +19.3% SB Sutton Bank +14.1% OV Ohio Valley Bank Co. +13.3% MS Main Street Bank Corp. +9.7% UB Union Bank Co. +9.4% SB State Bank & Trust Co. +8.1% VC Vinton County National Bank +7.2% WB Waterford Bank N A +3.6% CN Cfbank National Association +2.6% GS Guardian Savings Bank +1.5% LN LCNB National Bank -0.9% FF First Federal Savings & Loan Association of Lakewood -1.8%

SBA 7(a), FY2008 to FY2026

First Federal Savings & Loan Association of Lakewood is the 62nd largest 7(a) lender into Ohio of 361, with $26M across 64 loans, 0.2% of everything approved in the state (The Huntington National Bank leads with $5.20B). Every market on its book has had an approval since FY2023.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cuyahoga, OH$17M23rd of 1450.9%+1.0 pts
Lorain, OH$3M25th of 690.8%+2.6 pts
Osceola, MI$1M3rd of 167.2%thin
Summit, OH$1M57th of 1060.2%thin
Allegany, MD$1M14th of 262.9%thin
Stark, OH$1M43rd of 760.3%thin
Lake, OH$1M36th of 730.3%+0.2 pts
Franklin, OH$875K114th of 1660.0%thin
Geauga, OH$665K27th of 420.4%thin
Medina, OH$590K40th of 570.2%-0.0 pts
Wood, OH$540K33rd of 490.3%thin
Delaware, OH$72K86th of 880.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction9$5M18.5%0.02%541st of 2,063
Manufacturing9$4M15.4%0.01%748th of 2,246
Professional & technical services16$4M12.5%0.01%540th of 1,955
Health care & social assistance4$3M10.9%0.01%713th of 2,172
Administrative & waste services6$2M8.0%0.02%519th of 1,763
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and First Federal
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans FF First Federal Savings and Loan As… 0.2% $26M · 64 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
First FederalRankCohort median
Total CRE against capital, the 300% screen138%4th of 12226%
Construction against capital, the 100% screen24%3rd of 1242%
Construction and land development, share of loans2.7%1st of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans7.9%3rd of 1216.7%
Total CRE, the guidance definition, share of loans15.1%2nd of 1232.5%
CRE growth over 36 months, the third prong+21.1%4th of 12+36.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Savings & Loan Association of Lakewood$2.94B0.6%87.6%0.44%-0.48%0.8%108.6%8.0%
LCNB National Bank$2.22B1.2%62.8%0.34%0.32%0.8%93.6%12.9%
Cfbank National Association$2.17B1.2%48.4%1.14%-0.01%1.1%99.5%11.4%
Waterford Bank N A$1.77B1.2%49.7%0.68%-0.08%1.3%89.7%10.1%
Sutton Bank$1.74B3.7%44.4%0.02%-0.01%1.2%29.8%13.1%
Ohio Valley Bank Co.$1.65B0.9%60.6%1.45%0.06%1.3%87.3%10.0%
State Bank & Trust Co.$1.61B1.1%65.6%0.30%0.04%1.4%85.5%10.3%
Vinton County National Bank$1.59B1.2%59.2%0.27%0.09%1.0%81.2%10.5%
Main Street Bank Corp.$1.55B1.5%50.5%0.66%0.00%1.1%92.7%9.7%
Union Bank Co.$1.44B0.9%60.7%0.12%0.02%1.0%72.5%10.5%
Croghan Colonial Bank$1.41B1.2%59.6%0.08%0.02%1.1%81.8%10.0%
Guardian Savings Bank$1.39B2.0%47.2%0.20%0.00%1.0%89.0%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First FederalCohort median
20212026Change20212026Change
Loans$1.69B$2.42B+44%$819M$1.22B+48%
Deposits$1.71B$2.23B+30%$1.09B$1.41B+28%
NPA / loans0.15%0.44%+0.29 pts0.32%0.32%-0.00 pts
Efficiency77.1%87.6%+10.5 pts60.4%59.4%-1.0 pts
ROA0.63%0.57%-0.05 pts1.27%1.19%-0.08 pts

This read was prepared for First Federal Savings & Loan Association of Lakewood's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Federal Savings & Loan Association of Lakewood is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $1B to $3B
Institution www.ffl.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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