Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Has deficiencies in community lending that regulators have identified
Exam Date
Exam Type
Regulator
Total Assets
$567M
Total Deposits
$500M
Net Loans
$455M
Net Income
$120K
ROA
0.08%
Below avg for Small banks. Peer avg: 0.44%
ROE
0.90%
Risk-Based Capital
20.74%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2022 | 297 | 72.73% | 4.04% |
| 2021 | 475 | 66.53% | 9.68% |
| 2020 | 497 | 63.58% | 9.86% |
| 2019 | 349 | 70.2% | 11.17% |
| 2018 | 322 | 57.45% | 17.39% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Needs to Improve | Intermediate Small Bank |
| Feb 2018 | Satisfactory | Intermediate Small Bank |
| Aug 2014 | Satisfactory | Intermediate Small Bank |
1 previous rating locked — back to 2011
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
6
Branch Deposits
$457M
1-Year Change
0
5-year net change: -1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/first-federal-savings-and-loan-association-of-lorain" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: