Warsaw Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 12.85 percentage points higher than in Q1 2026, at 124.74%. Among 156 Ohio banks, Warsaw Federal Savings and Loan Association sits 4th from the top on loan-to-deposit ratio, 124.74% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Warsaw Federal Savings and Loan Association reported 124.74% on loan-to-deposit ratio in Q2 2026, 43.90 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.7M |
| Net loans and leases | $89.2M |
| Loans held for sale | $1.2M |
| Loans to total assets | 82.63% |
| Loan-to-deposit ratio | 124.74% |
| Net loans to equity capital | 7.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.82% |
| Multifamily (5+ residential) | 3.45% |
| Commercial and industrial | 0.67% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.51% |
| Construction concentration (Tier 1 capital + allowance) | 9.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $75.1M | $58.4M | 4.95% | 0.23% | 0.00% |
| Q4 2023 | $79.0M | $54.4M | 4.55% | 0.24% | 0.00% |
| Q1 2024 | $82.7M | $64.0M | 4.30% | 0.19% | 0.00% |
| Q2 2024 | $76.9M | $64.0M | 4.51% | 0.20% | 0.00% |
| Q3 2024 | $79.7M | $70.7M | 4.55% | 0.18% | 0.00% |
| Q4 2024 | $76.2M | $65.5M | 4.69% | 0.71% | 0.00% |
| Q1 2025 | $77.1M | $64.8M | 4.60% | 1.73% | 0.00% |
| Q2 2025 | $77.4M | $63.9M | 4.55% | 0.67% | 0.00% |
| Q3 2025 | $75.5M | $68.8M | 4.63% | 0.68% | 0.00% |
| Q4 2025 | $71.8M | $67.4M | 4.86% | 0.87% | 0.00% |
| Q1 2026 | $78.7M | $70.3M | 4.39% | 0.78% | 0.00% |
| Q2 2026 | $89.7M | $71.9M | 3.82% | 0.67% | 0.00% |
Warsaw Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Warsaw Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Warsaw Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28217) · FFIEC NIC profile (RSSD 875879)