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Warsaw Federal Savings And Loan Association

IDRSSD: 875879
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 875879 held $100.3M in total assets as of 2026-03-31 (-0.3% quarter-over-quarter). Total loans stood at $78.2M (+9.6% QoQ) and total deposits at $70.3M (+4.4% QoQ).

Overall position is weak — the composite Health Score is 29/100 (Weak). Tier 1 / RWA stands at 21.30%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
29/100
Weak
Active Alerts
3
0 critical, 3 warning
Total Assets
$100.3M
-0.3% QoQ
Total Loans
$78.2M
+9.6% QoQ
Total Deposits
$70.3M
+4.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
21.30%
64th pctile · n=217↑ better
-121 bp QoQ
CET1 / RWA
17.38%
77th pctile · n=500↑ better
-100 bp QoQ
Total RBC / RWA
22.19%
64th pctile · n=217↑ better
-122 bp QoQ
Tier 1 Leverage Ratio
21.30%
84th pctile · n=500↑ better
-121 bp QoQ

Liquidity

Cash / Assets
6.55%
49th pctile · n=500↑ better
-717 bp QoQ
Loans / Deposits
111.17%
98th pctile · n=494↓ better
+528 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.62%
79th pctile · n=500↓ better
-18 bp QoQ
NPA / Assets
1.27%
83th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
9.91%
83th pctile · n=500↓ better
-13 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
45th pctile · n=500↓ better
-2 bp QoQ
ALLL Coverage of NPL
39.76%
35th pctile · n=500↑ better
+252 bp QoQ

Earnings

Net Interest Margin
1.92%
3th pctile · n=500↑ better
-21 bp QoQ
Return on Assets
-0.18%
7th pctile · n=500↑ better
-57 bp QoQ
Return on Equity
-1.58%
7th pctile · n=500↑ better
-508 bp QoQ
Efficiency Ratio
106.90%
94th pctile · n=500↓ better
+2282 bp QoQ
Pre-tax NOI / Avg Assets
-0.24%
7th pctile · n=500↑ better
-72 bp QoQ

Funding

Brokered / Deposits
11.10%
92th pctile · n=494↓ better
-47 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
20.24%
99th pctile · n=500↓ better
-332 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
8.15%
23th pctile · n=500↑ better
-16 bp QoQ
AFS Securities / Assets
8.15%
32th pctile · n=500↑ better
-16 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 06:18:11 UTC