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First Federal Savings and Loan Association of Lakewood
Lakewood, OH·FDIC Cert #29488·Charter: OCC·Est. 19350719.0·HC: FIRST MUTUAL HOLDING CO
Total Assets
$2.9B
Q4 2025
Return on Assets
0.11%
+0.09%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
85.79%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
39
Marginal
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.11%+0.09
ROE
1.48%+1.17
Efficiency
85.79%-15.33
Equity/Assets
0.00%+0.00
NPL Ratio
0.45%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
109.63%-1.07
Charge-offs
0.31%+0.31
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | -0.1 | 0.0 | 0.1 |
| ROE | 4.3 | 4.1 | 3.3 | 3.3 | 3.6 | -1.7 | 0.3 | 1.5 |
| Efficiency | 83.7 | 84.2 | 85.3 | 85.4 | 85.9 | 108.0 | 101.1 | 85.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.6 | 0.6 | 0.8 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.3 |
| Loan/Deposit | 116.9 | 114.5 | 112.2 | 110.4 | 109.7 | 115.8 | 110.7 | 109.6 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.2B
Total Loans$2.4B
Total Equity$224.1M
Profitability
ROA0.11%
ROE1.48%
Efficiency Ratio85.79%
Net Income$3.3M
Risk & Asset Quality
NPL Ratio0.45%
Charge-off Rate0.31%
Loan/Deposit109.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans