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

THIRD FS&LA OF CLEVELAND

FDIC #30012 · OH · period 20260630

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Total assets12,431,419-7.01% YoY

Total deposits8,450,925+1.66% YoY

Net loans and leases11,296,097-7.19% YoY

Return on assets0.63%-10.42% YoY

Return on equity5.50%-15.25% YoY

Net interest margin2.23%+3.65% YoY

Peer position

Return on assets13thopportunity · n=112

Return on equity14thopportunity · n=108

Net interest margin8thopportunity · n=112

Equity to assets27thopportunity · n=108

Noncurrent loans88thstrength · n=106

Liquid assets1stopportunity · n=108

Brokered deposits22ndopportunity · n=107

Loans to deposits2ndopportunity · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	12,431,419	8,450,925	11,296,097	0.63	5.50	2.23
2016-06-30	12,588,562	8,455,502	11,440,855	0.65	5.63	2.21
2016-09-30	12,869,395	8,480,487	11,713,490	0.67	5.83	2.19
2016-12-31	13,155,641	8,418,790	11,894,734	0.65	5.71	2.17
2017-03-31	13,368,927	8,312,981	12,171,077	0.70	6.49	2.16
2017-06-30	13,488,146	8,264,611	12,265,775	0.69	6.31	2.15
2017-09-30	13,655,460	8,295,132	12,419,657	0.68	6.26	2.13
2017-12-31	13,854,593	8,384,262	12,570,661	0.66	6.13	2.11
2018-03-31	13,921,450	8,474,407	12,683,370	0.66	6.26	2.09
2018-06-30	13,900,244	8,497,305	12,673,099	0.62	5.83	2.06
2018-09-30	14,100,650	8,628,720	12,871,953	0.62	5.81	2.03
2018-12-31	14,205,430	8,727,071	12,920,281	0.61	5.70	2.00
2019-03-31	14,172,384	8,852,836	12,886,019	0.56	5.42	1.89
2019-06-30	14,335,890	8,794,039	13,031,133	0.52	5.08	1.86
2019-09-30	14,495,068	8,907,033	13,199,411	0.54	5.25	1.84
2019-12-31	14,789,845	9,134,202	13,477,380	0.55	5.41	1.82
2020-03-31	14,985,693	9,210,311	13,576,791	0.41	4.36	1.75
2020-06-30	14,816,833	9,366,377	13,426,577	0.57	5.99	1.75
2020-09-30	14,614,169	9,391,304	13,139,933	0.50	5.22	1.62
2020-12-31	14,549,040	9,388,124	13,010,796	0.54	5.66	1.62
2021-03-31	14,446,863	9,390,289	12,745,069	0.63	6.48	1.67
2021-06-30	14,220,278	9,301,960	12,608,211	0.54	5.46	1.66
2021-09-30	14,041,790	9,150,848	12,517,883	0.52	5.22	1.66
2021-12-31	14,120,189	9,115,133	12,683,104	0.50	5.00	1.67
2022-03-31	14,567,058	9,141,647	13,135,975	0.43	4.16	1.81
2022-06-30	15,390,543	9,247,386	13,897,142	0.44	4.24	1.89
2022-09-30	15,775,362	9,072,076	14,266,728	0.51	4.97	1.93
2022-12-31	16,117,865	9,199,012	14,486,044	0.52	5.06	1.94
2023-03-31	16,249,256	9,132,194	14,567,721	0.35	3.61	1.73
2023-06-30	16,582,026	9,166,364	14,884,275	0.37	3.71	1.70
2023-09-30	16,904,180	9,602,859	15,169,007	0.39	3.89	1.70
2023-12-31	17,042,877	10,047,593	15,208,337	0.40	4.07	1.69
2024-03-31	17,004,166	10,045,328	15,159,317	0.45	4.59	1.69
2024-06-30	17,022,771	10,175,426	15,220,353	0.45	4.47	1.66
2024-09-30	17,077,644	10,321,628	15,339,834	0.43	4.32	1.66
2024-12-31	17,046,704	10,370,436	15,343,738	0.45	4.51	1.66
2025-03-31	17,099,007	10,512,762	15,365,946	0.48	4.75	1.73
2025-06-30	17,363,064	10,493,100	15,626,974	0.48	4.80	1.75
2025-09-30	17,443,313	10,580,015	15,720,974	0.52	5.16	1.78
2025-12-31	17,487,528	10,540,199	15,756,128	0.51	5.16	1.79
2026-03-31	17,468,430	10,298,906	15,747,391	0.53	5.38	1.82
2026-06-30	18,062,658	10,184,580	16,196,055	0.60	6.13	1.85

Structure and branch footprint

35 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2021-09-01	1	4287377	915878
2005-04-29	1	2926131	915878
2000-07-15	9	2833622	915878

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.