19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026
Call-report figures are for First Federal Savings and Loan Association of Lorain at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Federal Savings and Loan Association of Lorain's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $177K in Q2 2026, 19% below the same quarter a year earlier ($218K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Request to Open An Account $5 to $7 · Anchor Checking $6
Compared at $6, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 20% from Q3 2025 to Q2 2026, to $177K.
$177K
First Federal Savings and Loan Association of LorainMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
First Federal Savings and Loan Association of Lorain · $574M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Federal Savings and Loan Association of Lorain(this institution) | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Holly Springs | Holly Springs, MS | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Baraboo State Bank | Baraboo, WI | $570M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank & Trust Company of McAlester | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNBC Bank & Trust | La Grange, IL | $582M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Zapata, TX | $568M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples National Bank of Kewanee | Kewanee, IL | $588M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PremierBank | Fort Atkinson, WI | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Savings Bank | Effingham, IL | $585M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Point Bank | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WNB FINANCIAL, N.A. | Winona, MN | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6, the middle of its three prices, against a peer median of $8 among 15 publishing peers.
Its three checking prices are $5, $6 and $7.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for First Federal Savings and Loan Association of Lorain (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $177K | −$8K | −4.3% |
| Q1 2026 | $185K | −$7K | −3.6% |
| Q4 2025 | $192K | −$29K | −13.1% |
| Q3 2025 | $221K | +$3K | +1.4% |
| Q2 2025 | $218K | −$3K | −1.4% |
| Q1 2025 | $221K | +$2K | +0.9% |
| Q4 2024 | $219K | −$13K | −5.6% |
| Q3 2024 | $232K | +$31K | +15.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from First Federal Savings and Loan Association of Lorain’s own schedules, with a source for each figure.
per month
per month
per month
per quarter
per month
per hour
per month
per item
per day · maximum 6 fees per day per account
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per item
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per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Anchor Checking Monthly fee | $6 | per month | None |
| Low monthly fee | $5 | per month | None |
| Monthly fee | $7 | per month | None |
| Early Account Closing (within six months of opening) (audience not stated, treated as personal) | $25 | Not stated | None |
| Dormant Account | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Dormant account fee | $5 | per month | None |
| Research Per Hour (Including account balancing assistance) | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee, fee | $5 | Not stated | None |
| Undeliverable Mail (audience not stated, treated as personal) | $5 | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (ACH, ATM/Debit/Check) Each Item (audience not stated, treated as personal) | $33 | per item | None |
| Overdraft fee - transfer from saving account (audience not stated, treated as personal) | $5 | Not stated | None |
| Overdraft Daily Cap (audience not stated, treated as personal) | $198 | per day | maximum 6 fees per day per account |
ATM & Card | |||
| Replace (Lost) ATM or Debit Card (audience not stated, treated as personal) | $10 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire- Domestic (audience not stated, treated as personal) | $20 | Not stated | None |
| Outgoing Wire - International (audience not stated, treated as personal) | $40 | Not stated | None |
| Incoming Wire Fee (Domestic/International) | $10 | per item | None |
Check Services | |||
| Cashier's Check (audience not stated, treated as personal) | $5 | per item | None |
| Personal Money Order (audience not stated, treated as personal) | $3 | per item | None |
| Stop Payment (All Items) (audience not stated, treated as personal) | $33 | Not stated | None |
| Check Cashing – Canadian checks (audience not stated, treated as personal) | $5 | per item | None |
| Check Cashing – checks drawn on banks in UK, France, Germany, and Japan (audience not stated, treated as personal) | $20 | per item | None |
| Check Cashing – On Us Checks for non-customer (audience not stated, treated as personal) | $10 | per item | None |
| Copy of Check (audience not stated, treated as personal) | $5 | per item | None |
Cash & Deposit | |||
| Coin Machine | 5% | Not stated | None |
| Return Check Fee (audience not stated, treated as personal) | $15 | Not stated | None |
Account Services | |||
| Safe Deposit Box Drilling Fee (audience not stated, treated as personal) | $125Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments (audience not stated, treated as personal) | $50 | per item | None |
| Tax Levy (audience not stated, treated as personal) | $50 | per item | None |
| Subpoena and IRS Summons: Research Fee | $37Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Subpoena and IRS Summons: Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Federal Savings and Loan Association of Lorain operates, and what regulators and customers have on file.
In Cleveland, OH, First Federal Savings and Loan Association of Lorain holds 0.3% of bank deposits, #19 of 35, with 4 offices.
643 offices of 86 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 35 institutions shown. $136.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 0.3% share, 4 offices, #19 of 35
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
117 offices of 51 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.