🏦Bank Scorer

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN

LORAIN, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1921FDIC #29,838
Needs to Improve Down

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.08%

Institution Profile

FDIC BankFind

Address

3721 Oberlin Ave, LORAIN, OH

County

Lorain County

Established

January 1, 1921

Total Assets

$567M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 28, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$567M

Total Deposits

$500M

Net Loans

$455M

Net Income

$120K

ROA

0.08%

ROE

0.90%

Risk-Based Capital

20.74%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.04%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$457M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202229772.73%4.04%
202147566.53%9.68%
202049763.58%9.86%
201934970.2%11.17%
201832257.45%17.39%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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