Compared with Ohio
6 of 18
compared fees are above the median.
4 below, 8 about the same.
About the same: within 1% of the median.
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
88th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 18 compared; 4 below, 8 about the same
See the feesFee 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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio 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 charges were 5.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (88th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
6 of 18 compared published fees sit above the Ohio median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio 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)
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. Its share of revenue, 5.0%, is above the 2.1% median for banks with $300M to $1B in assets.
$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.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $7; we compare the midpoint.
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 16 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 |
| First Seacoast Bank | Dover, NH | $576M | Monthly maintenance not published | 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 |
| 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 Oct 26, 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 Oct 26, 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First Federal Savings and Loan Association of Lorain left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Federal Savings and Loan Association of Lorain by share.
Amounts from First Federal Savings and Loan Association of Lorain’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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
per item
per item
per item
per item
per item
per item
per item
per item
per item
per hour
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Anchor Checking Monthly fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (within six months of opening) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Per Hour (Including account balancing assistance) | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee, fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Undeliverable Mail (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (ACH, ATM/Debit/Check) Each Item (audience not stated, treated as personal) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft fee - transfer from saving account (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Daily Cap (audience not stated, treated as personal) | $198Above the U.S. middle 50% ($100 to $161.25 nationally) | per day | maximum 6 fees per day per account |
ATM & Card | |||
| Replace (Lost) ATM or Debit Card (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire- Domestic (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire - International (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wire Fee (Domestic/International) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Personal Money Order (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (All Items) (audience not stated, treated as personal) | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing – Canadian checks (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing – checks drawn on banks in UK, France, Germany, and Japan (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing – On Us Checks for non-customer (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | 5% | Not stated | None |
| Return Check Fee (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | 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) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | 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.
Branch footprint
6 offices in 1 state, $499.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $399.2M | |
| 2 | $100.6M |
Cleveland, OH
0.3% of bank deposits, #19 of 35.
| Largest competitors here | Deposit share |
|---|---|
| KeyBank National Association | 46.5% |
| The Huntington National Bank | 12.1% |
| PNC Bank, National Association | 8.5% |
| Citizens Bank, National Association | 5.7% |
| JPMorgan Chase Bank, National Association | 5.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 1, 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.