FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKEWOOD

LAKEWOOD, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1935FDIC #29,488

Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Website

www.ffl.bank

Address

14806 Detroit Ave, LAKEWOOD, OH

County

Cuyahoga County

Established

July 19, 1935

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Apr 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.2B

Net Loans

$2.4B

Net Income

$6M

ROA

0.88%

Below avg for Community banks. Peer avg: 0.90%

ROE

11.22%

Risk-Based Capital

13.21%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.88%Peer avg: 0.90%▼ Below avg

Risk-Based Capital13.21%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate9.90%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.1B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,798	73.92%	9.90%
2023	2,019	76.18%	6.74%
2022	3,196	80.1%	4.91%
2021	4,915	82.38%	2.87%
2020	5,707	77.57%	3.68%
2019	4,355	78.48%	4.43%
2018	4,100	80.07%	4.12%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 2024	Satisfactory	Large Bank
Mar 2021	Satisfactory	Large Bank
Jan 2018	Satisfactory	Large Bank

1 previous rating locked — back to 2013

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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