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First Federal Savings And Loan Association Of Lorain

IDRSSD: 144678
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #144678 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.48% of loans.

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.7%, cash 3.7% of assets.

Cash / Assets
3.67%
Loans / Deposits
84.70%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.12%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.53%, CET1 24.53%, leverage 11.76%.

Tier 1 RBC
24.53%
CET1
24.53%
Leverage
11.76%
No watch items at this period.

Asset Quality

StrongQoQ -2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 5.2%, NCO YTD -0.04%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
-0.04%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
2
Sub-score

Reserves are weak: ALLL 0.48% of loans, coverage 51.1%, true coverage 33.4%.

ALLL / Loans
0.48%
Coverage
51.1%
True Loss Coverage
33.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.4% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.48% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:27:15 UTC