Warsaw Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Warsaw Federal Savings and Loan Association of Cincinnati, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.01% | 1.35% | -1.34% | 5th bottom |
| ROAE | 0.11% | 12.06% | -11.95% | 5th bottom |
| Net Interest Margin | 2.01% | 3.90% | -1.89% | 1st bottom |
| Efficiency Ratio | 94.49% | 63.14% | +31.35% | 4th bottom |
| PPNR / Avg Assets | 0.13% | 1.64% | -1.51% | 4th bottom |
| Yield on Earning Assets | 4.69% | 5.65% | -0.96% | 13th bottom |
| Cost of Funds | 3.89% | 1.84% | +2.05% | 0th bottom |
| Net Interest Spread | 1.65% | 3.35% | -1.70% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.30% | 0.92% | +0.38% | 22nd bottom |
| NPA / Total Assets | 1.07% | 0.67% | +0.40% | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans | 0.58% | 1.28% | -0.70% | 4th bottom |
| ACL / NPLs (Coverage) | 44.63% | 1645.82% | -1601.19% | 9th bottom |
| Texas Ratio | 10.29% | 7.15% | +3.14% | 21st bottom |
| Provision / NCO | 1333.33% | 1189.12% | +144.21% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.24% | 20.83% | -5.59% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.68% | 20.86% | -2.18% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.50% | 21.94% | -2.44% | 71st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.10% | 12.46% | -0.36% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.45% | 11.67% | -1.22% | 52nd above |
| TCE / Tangible Assets | 7.88% | 11.40% | -3.52% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 124.74% | 78.63% | +46.11% | 1st bottom |
| Core Deposit Ratio | 79.71% | 87.10% | -7.39% | 15th bottom |
| Wholesale Funding Ratio | 22.58% | 5.10% | +17.48% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.25% | 6.47% | +9.78% | 92nd top |
| Loan Growth (Y/Y) | 15.80% | 7.64% | +8.16% | 87th top |
| Deposit Growth (Y/Y) | 12.57% | 6.02% | +6.55% | 88th top |
See Warsaw Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Warsaw Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Warsaw Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.