FDIC Cert #28217 · Cincinnati, Ohio · Est. 1893

Warsaw Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Warsaw Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$101M
Total assets
C
Health grade · Fair
0.11%
Return on assets
18.4%
Tier 1 capital

Data updated July 2026

The verdict

Warsaw Federal Savings and Loan Association earns a PlainBankData health grade of C (63/100), with well-capitalized at 18.38% Tier 1, 0.11% ROA, 96% efficiency ratio.

#3,738
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
18.38%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28217 · OH C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3583/4307
  • PHOTO-FINISH FIDELITY BANK · LA
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 10.9% Texas
  • ROA-THIN 0.11% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: FIDELITY BANK, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Warsaw Federal Savings and Loan Assoc…

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adirondack Bank · NY · near63/100Armstrong County Bui… · PA ·…63/100FIDELITY BANK · LA · near63/100Maple City Savings B… · NY ·…63/100Warsaw Federal Savin… · OH ·…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Warsaw Federal Savings and Loan Assoc… · July 2026

Call Report read for Warsaw Federal Savings and Loan Assoc… in a high-failure state

Warsaw Federal Savings and Loan Association (FDIC Cert #28217) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,583 of 4,307. Tier 1 capital prints at 18.38%, clearing the 10% well-capitalized line. The Texas Ratio is 10.89%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.11%. Balance-sheet scale is $101M, 3,738th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FIDELITY BANK (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Warsaw Federal Savings and Loan Assoc…

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Warsaw Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Warsaw Federal Savings and Loan Association's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Warsaw Federal Savings and Loan Association's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Warsaw Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (18.38%) 40/40
Return on Assets (ROA) (0.11%) 7/25
Texas Ratio (10.89%) 16/20
Efficiency Ratio (96.29%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$101M

Total balance-sheet footings

Total Deposits

$67M

Customer-funded liabilities

Net Loans

$71M

Outstanding loan book

Net Income

$111K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.98% 18.38% 19.78%
Basel III capital ratios - Warsaw Federal Savings and Loan Association

Where Warsaw Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Warsaw Federal Savings and Loan Association's score of 63/100 falls in the highlighted band.

Warsaw Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Warsaw Federal Savings and Loan Assoc… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Warsaw Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Warsaw Federal Savings and Loan Association's $101M falls in the highlighted band.

Capital & credit buffers at Warsaw Federal Savings and Loan Assoc…

Tier 1 capital ratio
Well-capitalized 10%

18.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.38%
Texas Ratio
10.89%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: Warsaw Federal Savings and Loan Assoc…

Return on Assets (ROA)
7th percentile nationally
0.11%
Return on Equity (ROE)
1.22%
Efficiency Ratio
96.29%

What these mean →

Income & expense at Warsaw Federal Savings and Loan Assoc…

$5M
Interest Income
$677K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Warsaw Federal Savings and Loan Association reports a Texas Ratio of 10.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Warsaw Federal Savings and Loan Association on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($101M here), outside Ohio so the neighborhood is not state containment.

United Orient Bank $101M · NY The Gerber State Bank $101M · IL The Farmers & Merchants Bank $100M · AL Breda Savings Bank $100M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Warsaw Federal Savings and Loan Association (FDIC Cert #28217) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Warsaw Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%