Warsaw Federal Savings and Loan Association
Cincinnati, OH
IDRSSD: 875879
Total Assets
$100.55M
Latest filing
Total Deposits
$67.38M
Latest filing
Net Interest Margin
2.13%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Warsaw Federal Savings and Loan Association
3533 Warsaw Ave
Cincinnati, OH 45205
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1893FDIC Certificate 41051
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Warsaw Federal Savings and Loan Association (Main) | 3533 Warsaw Ave | Cincinnati, OH | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1893 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 45205 |
| State and County Number | 39061 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/16/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.warsawfederal.bank |
| Data Updated | 01/30/2026 |
| CERT | 28217 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $100.55M |
| Total Deposits | $67.38M |
| Total Liabilities | $89.14M |
| Total Equity Capital | $11.40M |
| Net Income | $99.00k |
| Net Loans and Leases | $71.34M |
| Assets Per Employee ($Millions) | $7.73M |
| Bank Premises and Fixed Assets | $192.00k |
| Cash and Balances due from Depository Institutions | $13.80M |
| Deposits Held in Domestic Offices | $67.38M |
Key Performance Ratios
| Return on Assets (ROA) | 0.39% |
| Return on Equity (ROE) | 3.5% |
| Net Interest Margin | 2.13% |
| Efficiency Ratio | 84.08% |
| Tier 1 Risk-Based Capital Ratio | 18.379% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.341% |
| Earning Assets to total Assets | 92.62% |
Income and Expense
| Total Interest Income | $1.16M |
| Total Noninterest Income | $278.00k |
| Total Interest Expense | $659.00k |
| Total Noninterest Expense | $657.00k |
| Net Interest Income | $501.00k |
| Pre-tax Net Operating Income | $122.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $21.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $768.00k |
| Total Liabilities and Capital | $100.55M |
Securities
| Securities | $8.35M |
| Available-for-sale debt securities | $8.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Warsaw Federal Savings and Loan Association?
$100.55M as of the latest filing.
How much are Warsaw Federal Savings and Loan Association's total deposits?
$67.38M in total deposits.
Where is Warsaw Federal Savings and Loan Association located?
Cincinnati, OH.
What is the Net Interest Margin?
2.13%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
0.39%.
How much are total loans and leases?
$71.34M (latest filing).
What is the total interest income (latest filing)?
$1.16M.