WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION

CINCINNATI, OH | Small | Est. Jan. 1, 1893, midnight | FDIC #28217 | RSSD #875879 | OCC
Latest Report: 2025-12-31

WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CINCINNATI, OH, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $67M. Profitability stands at 0.39% ROA and 3.50% ROE, with a net interest margin of 2.15%. The bank's CET1 capital ratio is 18.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.80% and a Texas Ratio of 10.89%. FDIC Certificate #28217.

Assets

$101M

Deposits

$67M

Loans

$72M

Equity

$11M

Profitability

Return on Assets (ROA) 0.39%
Return on Equity (ROE) 3.50%
Net Interest Margin (NIM) 2.15%
Yield on Assets 4.99%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 1.80%
Net Charge-Off Ratio 0.01%
Texas Ratio 10.89%
NPA Ratio 1.29%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 18.38%
Tier 1 Capital 22.51%
Total Capital Ratio 23.41%
Leverage Ratio 12.07%
Loan-to-Deposit 106.60%

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