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Warsaw Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage OH FDIC cert 28217

Designations: ✓ Minority Depository Institution

Cincinnati, OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

Warsaw Federal Savings and Loan Association faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 5.0% in tier
  • - Liquidity Overhang: Bottom 8.7% in tier
  • - Efficiency Drag: Bottom 46.1% in tier
  • - Return on Assets 1.45% below tier average
  • - Net Interest Margin 2.01% below tier average
  • - Delinquency Rate 0.74% above tier average
Get updates when Warsaw Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $100.3M
+6.5% YoY -0.3% QoQ
-$285.8M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
Bottom 0.1% in tier
Total Loans ? $78.2M
+2.0% YoY +9.6% QoQ
-$177.5M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
Bottom 10.4% in tier
Total Deposits ? $70.3M
+8.6% YoY +4.4% QoQ
-$257.6M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
Bottom 0.5% in tier
Return on Assets ? -0.18%
-702.8% YoY -256.3% QoQ
-1.45% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
Bottom 2.7% in tier
Net Interest Margin ? 1.92%
-8.5% YoY -10.1% QoQ
-2.01% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 0.6% in tier
Efficiency Ratio ? 106.90%
+3.1% YoY +11.0% QoQ
+41.62% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
Bottom 1.7% in tier
Delinquency Rate ? 1.63%
+261.2% YoY -10.1% QoQ
+0.74% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
16%
Loan-to-Deposit Ratio ? 111.17%
-6.1% YoY +5.0% QoQ
+34.53% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
Bottom 2.5% in tier
Non-Interest-Bearing Deposit Share ? 6.30%
-35.6% YoY -9.4% QoQ
-15.72% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
Bottom 5.0% in tier
Nonperforming Asset Ratio ? 1.27%
+245.9% YoY -1.2% QoQ
+0.63% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
Bottom 14.7% in tier
Tier 1 Capital Ratio ? 21.30%
+41.5% YoY -5.4% QoQ
+5.47% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
Top 11.1% in tier
Non-Interest Income / Assets ? 0.09%
-47.3% YoY -86.5% QoQ
-0.19% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
46%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

NIB Deposit Bleed

decline
#11 of 198 • Bottom 5.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 6.30%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#65 of 739 • Bottom 8.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.30%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 111.17%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#192 of 414 • Bottom 46.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 106.90%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

296
Tier 1 Capital Ratio
capital
Value: 21.30%
Peer Median: 15.83%
#296 of 2664 Top 11.1% in $100M-$1B

Top Weaknesses (10 metrics)

2662
Total Assets
size
Value: $100.26M
Peer Median: $386.08M
#2662 of 2664 Bottom 0.1% in $100M-$1B
2651
Total Deposits
size
Value: $70.34M
Peer Median: $327.97M
#2651 of 2664 Bottom 0.5% in $100M-$1B
2649
Net Interest Margin
profitability
Value: 1.92%
Peer Median: 3.93%
#2649 of 2664 Bottom 0.6% in $100M-$1B
2620
Efficiency Ratio
profitability
Value: 106.90%
Peer Median: 65.29%
#2620 of 2664 Bottom 1.7% in $100M-$1B
2599
Loan-to-Deposit Ratio
liquidity
Value: 111.17%
Peer Median: 76.64%
#2599 of 2664 Bottom 2.5% in $100M-$1B
2592
Return on Assets
profitability
Value: -0.18%
Peer Median: 1.27%
#2592 of 2664 Bottom 2.7% in $100M-$1B
2533
Non-Interest-Bearing Deposit Share
funding
Value: 6.30%
Peer Median: 22.02%
#2533 of 2664 Bottom 5.0% in $100M-$1B
2389
Total Loans
size
Value: $78.19M
Peer Median: $255.72M
#2389 of 2664 Bottom 10.4% in $100M-$1B
2274
Nonperforming Asset Ratio
credit_quality
Value: 1.27%
Peer Median: 0.64%
#2274 of 2664 Bottom 14.7% in $100M-$1B
2219
Delinquency Rate
credit_quality
Value: 1.63%
Peer Median: 0.89%
#2219 of 2654 Bottom 16.4% in $100M-$1B
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