First Federal Savings and Loan Association of Lorain
Lorain, OH
IDRSSD: 144678
Total Assets
$573.10M
Latest filing
Total Deposits
$506.20M
Latest filing
Net Interest Margin
2.13%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association of Lorain
3721 Oberlin Ave
Lorain, OH 44053
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1921FDIC Certificate 42672
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings and Loan Association of Lorain (Main) | 3721 Oberlin Ave | Lorain, OH |
| HURON BRANCH | 107 Liberty Drive | Huron, OH |
| PORT CLINTON BRANCH | 1840 E Perry St | Port Clinton, OH |
| 2233 EAST 42ND STREET BRANCH | 2233 E 42nd St | Lorain, OH |
| 1180 PARK AVENUE BRANCH | 1180 Park Ave | Amherst, OH |
| 36690 DETROIT ROAD BRANCH | 36690 Detroit Rd | Avon, OH |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 44053 |
| State and County Number | 39093 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cleveland-Elyria, OH |
Operational Info
| Number of Employees | 71 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.fflorain.bank |
| Data Updated | 01/30/2026 |
| CERT | 29838 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $573.10M |
| Total Deposits | $506.20M |
| Total Liabilities | $520.09M |
| Total Equity Capital | $53.01M |
| Net Income | $93.00k |
| Net Loans and Leases | $446.99M |
| Assets Per Employee ($Millions) | $7.64M |
| Bank Premises and Fixed Assets | $2.88M |
| Cash and Balances due from Depository Institutions | $24.64M |
| Deposits Held in Domestic Offices | $506.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.07% |
| Return on Equity (ROE) | 0.71% |
| Net Interest Margin | 2.13% |
| Efficiency Ratio | 97.56% |
| Tier 1 Risk-Based Capital Ratio | 20.303% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.25% |
| Earning Assets to total Assets | 93.41% |
Income and Expense
| Total Interest Income | $5.77M |
| Total Noninterest Income | $544.00k |
| Total Interest Expense | $2.95M |
| Total Noninterest Expense | $3.28M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $69.00k |
| Provision for Credit Losses | $13.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.88M |
| Total Liabilities and Capital | $573.10M |
Securities
| Securities | $69.17M |
| Available-for-sale debt securities | $69.17M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings and Loan Association of Lorain?
$573.10M as of the latest filing.
How much are First Federal Savings and Loan Association of Lorain's total deposits?
$506.20M in total deposits.
Where is First Federal Savings and Loan Association of Lorain located?
Lorain, OH.
What is the Net Interest Margin?
2.13%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
0.07%.
How much are total loans and leases?
$446.99M (latest filing).
What is the total interest income (latest filing)?
$5.77M.