Warsaw Federal Savings and Loan Association
Cincinnati, OH · Cert 28217 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 1 branch (26 in holding)
Q2 2026
$108.5MAssets
$89.7MLoans
$71.9MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 67% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 5 of 15).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 15 of 15).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.08%
Rank 14 of 15
Net Interest Margin
1.85%
Rank 15 of 15
Efficiency Ratio
100.50%
Rank 14 of 15
Equity / Assets
10.45%
Rank 11 of 15
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 13% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.08% | 0.35% | 0.56% | 1.05% | Beats 7% | 14 / 15 | |
| Return on Equity | -0.74% | 1.73% | 4.99% | 6.76% | Beats 7% | 14 / 15 | |
| Net Interest Margin | 1.85% | 2.85% | 3.21% | 3.42% | Beats 0% | 15 / 15 | |
| Efficiency Ratio | 100.50% | 64.82% | 75.45% | 88.43% | Beats 13% | 14 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.12% | 0.43% | 1.30% | Beats 27% | 12 / 15 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 27% | 12 / 15 | |
| Capital |
| Tier 1 Capital Ratio | 18.68% | 13.11% | 14.76% | 20.06% | Beats 67% | 5 / 15 | |
| Total Risk-Based Capital Ratio | 19.50% | 14.37% | 15.36% | 20.06% | Beats 67% | 5 / 15 | |
| Equity / Assets | 10.45% | 10.14% | 11.33% | 20.42% | Beats 27% | 11 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 124.74% | 80.04% | 97.18% | 103.56% | 87th pctl | 2 / 15 | |
| Loans / Assets | 82.63% | 68.16% | 75.18% | 82.63% | 73rd pctl | 4 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |