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Warsaw Federal Savings And Loan Association
Cincinnati, OH · FDIC Certificate #28217 · Chartered 01/0
Total assets
$108.52M
Total deposits
$71.89M
Total equity
$11.34M
Net loans
$89.16M
Branches (offices)
1
Net income (YTD)
-$42.00K
Rank: #3,618 of 4,213 U.S. banks by assets · #127 of 155 in Ohio. Assets changed 16.3% and deposits 12.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.08% |
| Return on equity | -0.74% |
| Net interest margin (YTD) | 1.98% |
| Equity to assets | 10.45% |
| Tier 1 leverage ratio | 12.10% |
| Uninsured deposits (share of deposits) | 23.8% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 124.0% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $89.01M | 99.8% | |
| Commercial & industrial | $604.00K | 0.7% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $1.17M | 1.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $62.15M | $47.85M | -$380.00K | $6.51M |
| Jun 2023 | $87.40M | $56.82M | -$29.00K | $5.79M |
| Jun 2024 | $104.81M | $64.02M | -$72.00K | $5.68M |
| Jun 2025 | $93.35M | $63.87M | -$10.00K | $7.80M |
| Jun 2026 | $108.52M | $71.89M | -$42.00K | $11.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $71.89M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $71.89M.
Similar-sized banks
The Cowboy Bank Of Texas ($108.63M) · Bank Of Bozeman ($108.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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