First Federal Savings and Loan Association of Lakewood

Headquarters: Lakewood, Ohio
Charter: Bank
Assets: $2.9B
Fed district: Cleveland
Regulator: OCC
Holding company: First Mutual Holding Co

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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

How these figures are measured

Call-report figures are for First Federal Savings and Loan Association of Lakewood 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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 Lakewood'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

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Federal Savings and Loan Association of Lakewood (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $269K in Q2 2026, 3.5% above the same quarter a year earlier ($260K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Federal Savings and Loan Association of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
U.S. median: no median
Stop Payment
First Federal Savings and Loan Association of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 24% from Q3 2025 to Q2 2026, to $269K.

Service-charge income, Q2 2026

$269K

$217KQ3 2025

$347KQ4 2025

$266KQ1 2026

$269KQ2 2026

Against the median

First Federal Savings and Loan Association of LakewoodMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Federal Savings and Loan Association of Lakewood · $2.9B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$2.8B to $3.1B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Federal Savings and Loan Association of Lakewood(this institution)	Lakewood, OH	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
ANB Bank	Denver, CO	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank Independent	Sheffield, AL	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
BayCoast Bank	Swansea, MA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cedar Rapids Bank and Trust Company	Cedar Rapids, IA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Emprise Bank	Wichita, KS	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Fidelity Bank	Oklahoma City, OK	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ion Bank	Naugatuck, CT	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Community Bank	Portland, ME	$3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Merchants Bank, National Association	Winona, MN	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnwest Bank	Redwood Falls, MN	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Exchange Bank and Trust	Fond du Lac, WI	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NEXTIER BANK, NATIONAL ASSOCIATION	Kittanning, PA	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Spencer, IA	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quad City Bank and Trust Company	Bettendorf, IA	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sunrise Banks, National Association	Sioux Falls, SD	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Susser Bank	Dallas, TX	$3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
U. S. Century Bank	Doral, FL	$3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wayne Bank	Honesdale, PA	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Federal Savings and Loan Association of Lakewood does not publish a monthly maintenance fee in the index.

The peer median is $8.25 among 14 publishing peers.

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

First Federal Savings and Loan Association of Lakewood does not publish a monthly maintenance fee, so it is not on this chart.

First Federal Savings and…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Federal Savings and Loan Association of Lakewood (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $269K
vs prior quarter: +$3K+1.1%; from Q1 2026
vs a year earlier: +$9K+3.5%; from Q2 2025
vs start of range: −$19K−6.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Federal Savings and Loan Association of Lakewood (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$269K	+$3K	+1.1%
Q1 2026	$266K	−$81K	−23.3%
Q4 2025	$347K	+$130K	+59.9%
Q3 2025	$217K	−$43K	−16.5%
Q2 2025	$260K	+$5K	+2.0%
Q1 2025	$255K	−$34K	−11.8%
Q4 2024	$289K	+$1K	+0.3%
Q3 2024	$288K	+$15K	+5.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Federal Savings and Loan Association of Lakewood’s own schedules, with a source for each figure.

Account Maintenance

Dormancy Fee$5
per month
Escheat Fee (checking or savings after 60 months inactivity)$50
Account Reconciliation$15

Overdraft & NSF

Non-sufficient funds (NSF) or Overdraft (OD) per item$30
per item
Sustained Overdraft (after 7 business days)$5

ATM & Card

Cirrus Network ATM(including inquiries)$1.50
Other Foreign ATM (including inquiries)$1
Debit Card Replacement$5
Cross-Border Fee0.9%
Currency Conversion Fee0.2%of the transaction

Wire Transfers

Wire Transfer Incoming (domestic or foreign)$10

Check Services

Official Check$3
Official Check Stop Payment$30
Stop Payment$30
Counter Checks$0.50
Check Cashing (non-customer)$5
Canadian Check fee$15
Check Copy$3

Account Services

Notary Fee$1.50
Safe Deposit Box Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement Fee$10
Not compared: Box drilling or key fee
Legal Process (e.g. IRS, levy, garnishment)$30

Other Fees

Duplicate Statement Fee (1098, 1099, or 5498)$5
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormancy Fee	$5	per month	None
Escheat Fee (checking or savings after 60 months inactivity)	$50	Not stated	None
Account Reconciliation	$15	Not stated	None
Overdraft & NSF
Non-sufficient funds (NSF) or Overdraft (OD) per item	$30	per item	None
Sustained Overdraft (after 7 business days)	$5	Not stated	None
ATM & Card
Cirrus Network ATM(including inquiries)	$1.50	Not stated	None
Other Foreign ATM (including inquiries)	$1	Not stated	None
Debit Card Replacement	$5	Not stated	None
Cross-Border Fee	0.9%	Not stated	None
Currency Conversion Fee	0.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Incoming (domestic or foreign)	$10	Not stated	None
Check Services
Official Check	$3	Not stated	None
Official Check Stop Payment	$30	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Cashing (non-customer)	$5	Not stated	None
Canadian Check fee	$15	Not stated	None
Check Copy	$3	Not stated	None
Account Services
Notary Fee	$1.50	Not stated	None
Safe Deposit Box Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Legal Process (e.g. IRS, levy, garnishment)	$30	Not stated	None
Other Fees
Duplicate Statement Fee (1098, 1099, or 5498)	$5	Not stated	None
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Wire Transfers

Wire outgoing$20
Wire incoming$10
Not compared: Monthly charge, not per item
per month
Wire outgoing foreign$40

Check Services

Checks paid$0.17
per item

Digital & Electronic

ACH origination$0.10
per item
ACH return items$10

Cash & Deposit

Returned deposit item$10
per item
Returned deposit item (redeposit)$5

Fee	Amount	Basis	Note
Wire Transfers
Wire outgoing	$20	Not stated	None
Wire incoming	$10Not compared: Monthly charge, not per item	per month	None
Wire outgoing foreign	$40	Not stated	None
Check Services
Checks paid	$0.17	per item	None
Digital & Electronic
ACH origination	$0.10	per item	None
ACH return items	$10	Not stated	None
Cash & Deposit
Returned deposit item	$10	per item	None
Returned deposit item (redeposit)	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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