Visbanking Logo
Skip to main content

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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #144678 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.41% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.11% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ -6
59
Sub-score

Liquidity is deteriorating: brokered 19.9%, loans/deposits 91.0%, cash 2.1% of assets.

Cash / Assets
2.11%
Loans / Deposits
90.99%
Brokered %
19.89%

Watch Items

  • infoCash / Assets below 3% — Cash 2.11% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.10%, CET1 20.10%, leverage 10.43%.

Tier 1 RBC
20.10%
CET1
20.10%
Leverage
10.43%
No watch items at this period.

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 3.2%, NCO YTD -0.03%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
-0.03%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
20
Sub-score

Reserves are weak: ALLL 0.41% of loans, coverage 93.5%, true coverage 52.6%.

ALLL / Loans
0.41%
Coverage
93.5%
True Loss Coverage
52.6%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.41% 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