First Fs&La Of Lorain (FDIC #29838): Bank Stress & Real-Estate Credit Exposure
First Fs&La Of Lorain (FDIC Cert #29838): bank stress 91/100, severe, STABLE over 7 days.
First Fs&La Of Lorain (#29838) lends in 3 counties across 1 state; First Fs&La Of Lorain (#29838) reaches 55 ZIP codes: Ohio 3 counties, 55 ZIPs.
First Fs&La Of Lorain (#29838) largest markets: Lorain County, OH (96 branches, 24 ZIPs) (#29838), Ottawa County, OH (20 branches, 20 ZIPs) (#29838), Erie County, OH (13 branches, 13 ZIPs) (#29838).
First Fs&La Of Lorain (#29838) reports $573.8 million in total assets; First Fs&La Of Lorain (#29838) equity $53.3 million (9.3% of First Fs&La Of Lorain (#29838) assets); First Fs&La Of Lorain (#29838) domestic deposits $499.8 million; First Fs&La Of Lorain (#29838) net income $218,000; First Fs&La Of Lorain (#29838) return on assets 0.08%; First Fs&La Of Lorain (#29838) return on equity 0.82%; First Fs&La Of Lorain (#29838) net interest income $6.0 million; First Fs&La Of Lorain (#29838) call report June 30, 2026.
First Fs&La Of Lorain (#29838) noncurrent real-estate loans: none reported; First Fs&La Of Lorain (#29838) multifamily -1.16%; First Fs&La Of Lorain (#29838) net charge-offs on real estate 0.41%.
First Fs&La Of Lorain (#29838) net interest margin 2.27% against an eight-quarter First Fs&La Of Lorain (#29838) average of 1.80% (First Fs&La Of Lorain (#29838) compression -0.47 points); First Fs&La Of Lorain (#29838) rate-exposure score 40/100, First Fs&La Of Lorain (#29838) fixed-rate trap 40/100; First Fs&La Of Lorain (#29838) risk type credit driven; First Fs&La Of Lorain (#29838) rate regime rates elevated, First Fs&La Of Lorain (#29838) snapshot October 19, 2026.
First Fs&La Of Lorain (#29838) stress score moved from 89.2 on June 22, 2026 to 91.4 on October 19, 2026; First Fs&La Of Lorain (#29838) ranged 89.2 to 91.4 over 116 snapshots.
First Fs&La Of Lorain (#29838) alerts: 3 counties; top First Fs&La Of Lorain (#29838) alert scores: Lorain County, OH 49 (moderate); Huron County, OH 39 (moderate); Port Clinton County, OH 28 (low).