BlastPoint

BlastPoint's Banking Scorecard

Warsaw Federal Savings and Loan Association

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

Designations: ✓ Minority Depository Institution

Cincinnati, OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +12.6% year over year ($71.9M on the books).
  • Delinquency rate 1.30%.
  • Return on assets -0.08%.
  • Efficiency ratio 100.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 124.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 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

  • - Liquidity Overhang: Bottom 14.4% in tier
  • - Return on Assets 1.40% below tier average
  • - Net Interest Margin 2.01% below tier average
  • - Efficiency Ratio 35.60% above tier average
  • - Non-Interest-Bearing Deposit Share 14.49% below tier average
  • - Delinquency Rate 0.39% above tier average
Get updates when Warsaw Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $108.5M
+16.3% YoY +8.2% QoQ
-$278.0M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 2.2% in tier
Total Loans ? $89.2M
+15.9% YoY +14.0% QoQ
-$169.2M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 14.5% in tier
Total Deposits ? $71.9M
+12.6% YoY +2.2% QoQ
-$254.8M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 0.6% in tier
Return on Assets ? -0.08%
-282.4% YoY +54.6% QoQ
-1.40% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 3.0% in tier
Net Interest Margin ? 1.98%
-8.4% YoY +3.4% QoQ
-2.01% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 0.8% in tier
Efficiency Ratio ? 100.08%
-3.1% YoY -6.4% QoQ
+35.60% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 2.3% in tier
Delinquency Rate ? 1.30%
+206.0% YoY -20.0% QoQ
+0.39% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 124.02%
+2.9% YoY +11.6% QoQ
+46.07% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ? 7.54%
-13.8% YoY +19.7% QoQ
-14.49% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 6.2% in tier
Nonperforming Asset Ratio ? 1.07%
+205.0% YoY -15.7% QoQ
+0.40% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 18.68%
+16.4% YoY -12.3% QoQ
+2.77% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.24%
-14.3% YoY +166.0% QoQ
-0.32% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 7.5%
-1.2pp YoY
+1.2pp QoQ
 -14.6pp 22.1% 18.8% 22.2% 6%
Brokered Deposits 9.6%
+7.0pp YoY
-1.5pp QoQ
 +1.7pp 7.9% 7.7% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.7%
0.0pp YoY
-0.1pp QoQ
 -10.9pp 11.6% 10.2% 12.5% 3%
CRE 8.6%
-4.7pp YoY
-1.7pp QoQ
 -30.9pp 39.5% 34.2% 41.4% 3%
1-4 Family 91.2%
+4.7pp YoY
+1.8pp QoQ
 +58.6pp 32.6% 50.0% 31.3% 98%
Consumer n/a n/a 4.1% 4.7% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 15.2%
+2.8pp YoY
-2.1pp QoQ
 -3.6pp 18.8% 22.1% 19.7% 51%
Leverage Ratio 12.1%
+2.5pp YoY
-0.4pp QoQ
 -0.1pp 12.2% 12.9% 12.6% 66%
Total Capital Ratio 19.5%
+2.5pp YoY
-2.7pp QoQ
 -0.4pp 19.9% 23.2% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 16
-2 (-11.1%) YoY
0 QoQ
 -43 58 2,433 482 5%
Assets per Employee ($) $6.8M
+30.8% YoY
+8.2% QoQ
 -$735K $7.5M $7.6M $8.8M 48%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.3%
+0.9pp YoY
-0.3pp QoQ
 +0.4pp 0.9% 0.6% 1.0% 78%
Allowance Coverage 0.45x
-70.6% YoY
+12.2% QoQ
 -23.71x 24.15x 18.95x 20.23x 8%
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.1% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE -0.7%
-0.5pp YoY
+0.8pp QoQ
 -12.9pp 12.2% 9.7% 11.6% 3%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 94%
Net Income ($, YTD) $-42000.0
-320.0% YoY
— QoQ
 -$2.6M $2.6M $259.3M $40.4M 3%

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 (1)

Liquidity Overhang

risk
#108 of 742 • Bottom 14.4% 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: 18.68%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 124.02%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

444
Tier 1 Capital Ratio
capital
Value: 18.68%
Peer Median: 15.91%
#444 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (10 metrics)

2627
Total Deposits
size
Value: $71.89M
Peer Median: $326.73M
#2627 of 2643 Bottom 0.6% in $100M-$1B
2625
Loan-to-Deposit Ratio
liquidity
Value: 124.02%
Peer Median: 77.95%
#2625 of 2643 Bottom 0.7% in $100M-$1B
2622
Net Interest Margin
profitability
Value: 1.98%
Peer Median: 3.99%
#2622 of 2643 Bottom 0.8% in $100M-$1B
2585
Total Assets
size
Value: $108.52M
Peer Median: $386.57M
#2585 of 2643 Bottom 2.2% in $100M-$1B
2584
Efficiency Ratio
profitability
Value: 100.08%
Peer Median: 64.48%
#2584 of 2643 Bottom 2.3% in $100M-$1B
2566
Return on Assets
profitability
Value: -0.08%
Peer Median: 1.32%
#2566 of 2643 Bottom 3.0% in $100M-$1B
2479
Non-Interest-Bearing Deposit Share
funding
Value: 7.54%
Peer Median: 22.03%
#2479 of 2643 Bottom 6.2% in $100M-$1B
2262
Total Loans
size
Value: $89.16M
Peer Median: $258.35M
#2262 of 2643 Bottom 14.5% in $100M-$1B
2149
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.67%
#2149 of 2643 Bottom 18.7% in $100M-$1B
2060
Delinquency Rate
credit_quality
Value: 1.30%
Peer Median: 0.92%
#2060 of 2633 Bottom 21.8% in $100M-$1B
Powered by BlastPoint © 2026