Warsaw Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Warsaw Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Cincinnati, OH, established in 1893 (FDIC certificate 28217), and it is supervised by the OCC. At Q2 2026 it reported total assets of $108.5M, up 16.3% from Q2 2025, the 126th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 15.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28217
- Headquarters
- Cincinnati, OH
- Established
- 1893
- Total assets, Q2 2026
- $108.5M
- Assets vs Q2 2025
- +16.3%
- CET1 ratio, Q2 2026
- 15.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242071855
- Latest call report
- Q2 2026, FFIEC 051 · Warsaw Federal Savings and Loan Association call report
- Holding company
- FIRST MUTUAL HOLDING CO.
- Asset rank in state
- 126th of 154 in Ohio
Problem loans are rising at Warsaw Federal Savings and Loan Association. Based in Cincinnati, Ohio, it had $109 million in assets at June 30, 2026, up 16.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.42% a year earlier. It earns about $0.01 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 15.8% and deposits rose 12.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.0 million equal 16% of Tier 1 capital, down from 25% a year earlier. Its margin is thin by comparison: it keeps 2.01 cents of net interest income on every dollar of earning assets, about half the median of 3.96 cents for banks its size.
As of June 30, 2026, Warsaw Federal Savings and Loan Association reported a CET1 capital ratio of 15.24%, a return on assets of 0.01%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 10.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Warsaw Federal Savings and Loan Association is the 126th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets rose 8.2% to $108.5M, loans rose 13.9% and deposits rose 2.2%. 1-4 family residential loans made up 90.7% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 3.4%. The FDIC Summary of Deposits lists a single office for it, in Cincinnati, OH. On its Q2 2026 call report, Warsaw Federal Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3533 Warsaw Ave, Cincinnati, OH 45205
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $71.9M
- Allowance for credit losses
- $519K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $102.7M
- Average total loans
- $84.0M
- Average interest-bearing deposits
- $63.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28217
- Fed RSSD
- 875879
- SEC CIK
- 1729623 → filed by FIRST MUTUAL HOLDING CO.
- Website
- www.warsawfederal.bank →
- Parent Holding Company
- FIRST MUTUAL HOLDING CO. (RSSD 4843090)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Warsaw Federal Savings and Loan Association's total assets ranged from $93.4M (Q2 2025) to $108.5M (Q2 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$108.5M total assets against $93.4M; $97.2M total liabilities against $85.6M.
$89.2M net loans and leases against $76.9M; $71.9M total deposits against $63.9M.
$8.0M securities against $8.4M; $3.5M cash and balances due against $1.5M.
$1.2M total interest income against $1.1M; $665K total interest expense against $653K.
$500K net interest income against $484K.
$171K total noninterest income against $101K; $638K total noninterest expense against $603K.
$33K provision for credit losses against $7K.
$3K net income against -$17K.
0.01% return on assets against -0.07%; 2.01% net interest margin against 2.12%.
15.24% CET1 capital ratio against 12.45%; 12.10% tier 1 leverage ratio against 9.58%.
Inside the full Warsaw Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Warsaw Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 614 of 3,640, for Texas Ratio; its furthest is 3,525 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.27% (Q4 2024) to 0.38% (Q4 2025) and its net interest margin ran from 1.80% (Q4 2024) to 2.12% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 0.01% | 1.30% | 10.29% | 2.01% |
| Q1 2026 | 17.38% | -0.18% | 1.62% | 11.31% | 1.86% |
| Q4 2025 | 18.38% | 0.38% | 1.80% | 11.43% | 2.03% |
| Q3 2025 | 16.78% | 0.09% | 0.68% | 4.64% | 2.04% |
| Q2 2025 | 12.45% | -0.07% | 0.42% | 4.24% | 2.12% |
| Q1 2025 | 11.68% | 0.03% | 0.45% | 4.49% | 2.00% |
| Q4 2024 | 11.47% | -0.27% | 0.50% | 5.37% | 1.80% |
| Q3 2024 | 10.55% | -0.17% | 0.45% | 5.50% | 1.94% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Warsaw Federal Savings and Loan Association (main office) | Cincinnati , OH | 45205 | $71.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 1, 2015, OCC: Formal Agreement: Warsaw FS & LA
- Period: Most recent institution action April 1, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 157 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 405 applications, 284 loans originated, $80.1M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Warsaw Federal Savings and Loan Association
What are Warsaw Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Warsaw Federal Savings and Loan Association reported total assets of $108.5 million in its FFIEC call report.
Where is Warsaw Federal Savings and Loan Association headquartered?
It is headquartered in Cincinnati, OH, United States.
When was Warsaw Federal Savings and Loan Association founded?
It was established in 1893, per the FDIC institution directory.
Is Warsaw Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Warsaw Federal Savings and Loan Association?
Warsaw Federal Savings and Loan Association's primary federal regulator is the OCC.
What is Warsaw Federal Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Warsaw Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Warsaw Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 10.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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