Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST FS&LA OF LAKEWOOD

FDIC #29488 · OH · period 20260630

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Total assets1,619,821+0.88% YoY

Total deposits1,300,804+0.68% YoY

Net loans and leases1,354,471+2.34% YoY

Return on assets0.46%+0.89% YoY

Return on equity4.49%+4.42% YoY

Net interest margin2.75%+1.22% YoY

Peer position

Return on assets10thopportunity · n=902

Return on equity17thopportunity · n=894

Net interest margin3rdopportunity · n=902

Equity to assets7thopportunity · n=894

Noncurrent loans57thin line · n=887

Liquid assets12thopportunity · n=895

Brokered deposits23rdopportunity · n=890

Loans to deposits5thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,619,821	1,300,804	1,354,471	0.46	4.49	2.75
2016-06-30	1,614,308	1,275,475	1,366,443	0.53	5.15	2.73
2016-09-30	1,617,833	1,278,143	1,361,378	0.54	5.29	2.72
2016-12-31	1,633,269	1,305,277	1,325,786	0.56	5.41	2.70
2017-03-31	1,605,717	1,292,035	1,323,544	0.46	4.30	2.72
2017-06-30	1,675,589	1,328,027	1,401,455	0.49	4.70	2.73
2017-09-30	1,774,786	1,350,909	1,467,612	0.51	4.92	2.72
2017-12-31	1,784,965	1,406,073	1,480,647	0.54	5.27	2.71
2018-03-31	1,824,416	1,418,324	1,521,386	0.29	2.92	2.58
2018-06-30	1,907,004	1,480,286	1,614,264	0.28	2.86	2.56
2018-09-30	1,911,896	1,476,546	1,634,994	0.29	2.89	2.55
2018-12-31	1,960,015	1,612,535	1,658,326	0.22	2.18	2.52
2019-03-31	1,967,066	1,617,072	1,626,444	0.38	3.79	2.41
2019-06-30	1,919,289	1,618,436	1,653,261	0.29	2.80	2.38
2019-09-30	1,918,795	1,616,818	1,654,237	0.30	2.90	2.34
2019-12-31	1,924,103	1,564,830	1,637,196	0.34	3.22	2.32
2020-03-31	2,049,118	1,473,074	1,676,823	0.89	8.47	2.29
2020-06-30	2,145,337	1,618,705	1,772,282	1.14	11.00	2.24
2020-09-30	2,129,969	1,619,025	1,729,915	1.13	10.85	2.28
2020-12-31	2,207,305	1,685,793	1,657,952	1.13	10.87	2.29
2021-03-31	2,161,788	1,702,407	1,624,890	0.79	7.80	2.36
2021-06-30	2,175,231	1,714,251	1,671,136	0.62	6.12	2.38
2021-09-30	2,194,241	1,749,875	1,656,875	0.67	6.53	2.42
2021-12-31	2,217,917	1,792,071	1,701,332	0.62	6.11	2.46
2022-03-31	2,234,520	1,801,496	1,764,778	0.65	6.56	2.64
2022-06-30	2,359,658	1,784,966	1,905,307	0.55	5.72	2.73
2022-09-30	2,565,583	1,873,981	2,020,719	0.52	5.62	2.70
2022-12-31	2,548,129	1,869,801	2,089,842	0.49	5.44	2.72
2023-03-31	2,590,729	1,885,430	2,139,544	0.39	4.59	2.42
2023-06-30	2,684,509	1,910,580	2,234,616	0.37	4.49	2.42
2023-09-30	2,729,823	1,933,610	2,297,720	0.34	4.16	2.33
2023-12-31	2,810,395	2,012,086	2,357,665	0.26	3.26	2.29
2024-03-31	2,889,657	2,036,604	2,380,612	0.33	4.28	2.10
2024-06-30	2,949,829	2,121,769	2,428,668	0.31	4.11	2.11
2024-09-30	3,025,819	2,197,175	2,464,241	0.25	3.30	2.08
2024-12-31	2,987,052	2,223,506	2,454,873	0.25	3.30	2.09
2025-03-31	2,997,408	2,237,421	2,454,083	0.27	3.65	2.12
2025-06-30	2,940,167	2,112,888	2,445,994	-0.12	-1.67	2.18
2025-09-30	2,901,149	2,170,039	2,402,257	0.02	0.31	2.21
2025-12-31	2,909,587	2,176,159	2,385,788	0.11	1.48	2.24
2026-03-31	2,917,042	2,180,320	2,389,015	0.88	11.22	2.30
2026-06-30	2,942,482	2,231,536	2,403,274	0.57	7.30	2.30

Structure and branch footprint

21 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-07-01	1	693073	318974
2010-12-21	1	75277	318974

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.