First Federal Savings and Loan Association of Lakewood
First Federal Savings and Loan Association of Lakewood reported total assets of $2.9 bn at Q2 2026, up 0.1% on a year earlier. The CET1 capital ratio at First Federal Savings and Loan Association of Lakewood was 11.93%, and the uninsured share of First Federal Savings and Loan Association of Lakewood was 19.13%. Source: FDIC Call Reports.
Key takeaways
- First Federal Savings and Loan Association of Lakewood reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.48% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- On return on equity (ROE), First Federal Savings and Loan Association of Lakewood climbed from 517th to 433rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- At 87.56%, the efficiency ratio of First Federal Savings and Loan Association of Lakewood sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
What sets First Federal Savings and Loan Association of Lakewood apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower net interest margin than First Federal Savings and Loan Association of Lakewood, at 2.30% in ; the group median is 3.66%.
- Since , First Federal Savings and Loan Association of Lakewood has taken over one institution; the latest was First Federal Savings and Loan Association on .
- First Federal Savings and Loan Association of Lakewood reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.37% at , where the median of the 339 banks is 10.45%.
How large is First Federal Savings and Loan Association of Lakewood?
The balance sheet of First Federal Savings and Loan Association of Lakewood at : assets $2.9 bn, deposits $2.2 bn, net loans $2.4 bn (loans equal to 107.70% of deposits). Securities make up 5.4% of total assets at First Federal Savings and Loan Association of Lakewood. Since , when First Federal Savings and Loan Association of Lakewood held $1.6 bn, its assets grew 81.7%. In the year to , deposits at First Federal Savings and Loan Association of Lakewood rose 5.6% while its total assets rose 0.1%. At , First Federal Savings and Loan Association of Lakewood employed 255 full-time equivalent staff across 20 offices, about $11.5 mn of assets per employee and $111.6 mn of deposits per office.
How much funding at First Federal Savings and Loan Association of Lakewood is uninsured?
At First Federal Savings and Loan Association of Lakewood, uninsured deposits (above the FDIC limit) made up 19.13% of domestic deposits at (+2.62 pp on a year earlier); First Federal Savings and Loan Association of Lakewood ranks 415th of 500 on this measure. In dollars, First Federal Savings and Loan Association of Lakewood estimated $426.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +5.6% | 470th of 499 |
| Net loans and leases | $2.4 bn | -1.7% | 382nd of 500 |
| Loan-to-deposit ratio | 107.70% | -8.07 pp | 24th of 500 |
| Tier 1 leverage ratio | 8.37% | +0.34 pp | 462nd of 500 |
| Total risk-based capital ratio | 12.92% | +0.26 pp | 363rd of 448 |
| Net interest margin | 2.30% | +0.12 pp | 474th of 500 |
| Return on assets (ROA) | 0.57% | +0.70 pp | 467th of 500 |
| Efficiency ratio | 87.56% | -20.45 pp | 493rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $25.5 mn | Narrowed by $3.8 mn | |
| Noncurrent loans to total loans | 0.44% | +0.04 pp | 167th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.48% | -0.49 pp | 4th of 500 (1 = lowest) |
US rank of First Federal Savings and Loan Association of Lakewood: 1 = highest unless marked 1 = lowest.
Balance sheet
First Federal Savings and Loan Association of Lakewood: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.2bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of First Federal Savings and Loan Association of Lakewood stood at 11.93% in , +0.31 pp year on year. Low and high at First Federal Savings and Loan Association of Lakewood since : 11.62% () to 16.63% (). Equity capital of First Federal Savings and Loan Association of Lakewood at : $234.6 mn, or 8.0% of total assets. First Federal Savings and Loan Association of Lakewood also reported a total capital ratio of 12.92% for , and a tier 1 leverage ratio of 8.37%.
The available-for-sale portfolio of First Federal Savings and Loan Association of Lakewood showed an unrealized loss of $25.5 mn at ; the loss narrowed by $3.8 mn over the year.
First Federal Savings and Loan Association of Lakewood: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 8.4%
First Federal Savings and Loan Association of Lakewood: unrealized securities gains and losses
- Available for sale -$26mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Federal Savings and Loan Association of Lakewood earned a return on equity of 7.30%; return on assets: 0.57%. Net interest margin at First Federal Savings and Loan Association of Lakewood: 2.30%, +0.12 pp in a year. First Federal Savings and Loan Association of Lakewood net income: $8.4 mn, down 552.1% year on year. The efficiency ratio of First Federal Savings and Loan Association of Lakewood was 87.56%: about 88 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.44% of total loans at First Federal Savings and Loan Association of Lakewood; net charge-offs: -0.48% of average loans. Gross loans and leases at First Federal Savings and Loan Association of Lakewood: $2.4 bn, down 1.8% in a year.
First Federal Savings and Loan Association of Lakewood: profitability
- Return on equity 7.3%
- Net interest margin 2.3%
- Return on assets 0.6%
Peer group of First Federal Savings and Loan Association of Lakewood
The peer group of First Federal Savings and Loan Association of Lakewood is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of First Federal Savings and Loan Association of Lakewood (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Ohio. Against them, First Federal Savings and Loan Association of Lakewood shows CET1 ratio 11.93% against a peer median of 12.63%, return on equity 7.30% against a peer median of 13.13% and uninsured deposit share 19.13% against a peer median of 54.98%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| TIB | National bank | TX | $3.0 bn | 20.49% | 12.99% | 91.45% | |
| Texas Regional Bank | State member bank | TX | $2.9 bn | 12.06% | 3.26% | 53.69% | |
| West Coast Community Bank | State nonmember bank | CA | $2.9 bn | 13.15% | 15.04% | 56.26% | |
| First Federal Savings and Loan Association of Lakewood | Federal savings bank | OH | $2.9 bn | 11.93% | 7.30% | 19.13% | |
| Minnwest Bank | State nonmember bank | MN | $2.9 bn | 12.08% | 10.26% | 26.40% | |
| Bryant Bank | State nonmember bank | AL | $2.9 bn | 18.98% | 16.94% | 57.57% | |
| NEXTIER BANK | National bank | PA | $2.9 bn | 12.11% | 13.27% | 50.92% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Federal Savings and Loan Association of Lakewood, to : assets -2.8%, deposits +1.6%, equity +6.8%. Staff 264 to 255.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.0 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $2.2 bn | $2.2 bn | $2.2 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $219.6 mn | $223.5 mn | $224.1 mn | $217.6 mn | $220.9 mn | $224.1 mn | $230.8 mn | $234.6 mn |
| CET1 ratio | 11.71% | 11.67% | 11.76% | 11.62% | 11.85% | 11.94% | 12.18% | 11.93% |
| Return on equity (ROE) | 3.30% | 3.30% | 3.65% | -1.67% | 0.31% | 1.48% | 11.22% | 7.30% |
| Uninsured share of domestic deposits | 14.29% | 17.10% | 15.96% | 16.51% | 17.62% | 18.45% | 17.25% | 19.13% |
| Full-time equivalent employees | 264 | 261 | 256 | 259 | 255 | 258 | 251 | 255 |
| Number of offices | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Federal Savings and Loan Association of Lakewood, oldest first; figures before and after each event are not like for like.
- . Absorbed First Federal Savings and Loan Association (FDIC certificate 29005).
Questions and identifiers
What were the total assets of First Federal Savings and Loan Association of Lakewood?
First Federal Savings and Loan Association of Lakewood reported $2.9 bn at in its Call Report. That makes First Federal Savings and Loan Association of Lakewood the 429th largest of 497 banks in our US coverage.
Is First Federal Savings and Loan Association of Lakewood the same as its holding company?
No. This page covers First Federal Savings and Loan Association of Lakewood, FDIC certificate 29488; FIRST MUTUAL HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Federal Savings and Loan Association of Lakewood profitable?
First Federal Savings and Loan Association of Lakewood reported net income of $8.4 mn for the year to ; annualized return on equity: 7.30%. So yes: First Federal Savings and Loan Association of Lakewood made a profit over these months.
When is data for First Federal Savings and Loan Association of Lakewood next updated?
Figures from First Federal Savings and Loan Association of Lakewood for are due after .
Where can I check the figures for First Federal Savings and Loan Association of Lakewood?
In the FDIC BankFind Suite record for certificate 29488, and in the Call Reports of First Federal Savings and Loan Association of Lakewood (RSSD ID 318974) at the FFIEC Central Data Repository.