Warsaw Federal

Overview / Commentary
3533 Warsaw Ave
Cincinnati, OH 45205

Warsaw Federal is headquartered in Cincinnati and is the 160th largest bank in the state of Ohio. It is also the 4,747th largest bank in the nation. It was established in 1893 and as of June of 2019, it had grown to 22 employees at 2 locations. Warsaw Federal's CD rates are 72% higher than the national average, and it has a B health rating.

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Warsaw Federal has a relatively low asset base, and a negative return on equity.

Health Grade Components

FDIC Certificate #28217
Year Established1893
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.37%
Return on Equity - YTD-10.22%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$56.0MM$65.9MM
LoansQ2 2019vs Q2 2018$35.1MM$43.1MM
DepositsQ2 2019vs Q2 2018$48.1MM$55.1MM
Equity CapitalQ2 2019vs Q2 2018$7.7MM$8.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$520.00K$520.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$142.00K$407.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$79.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Warsaw Federal Savings Account Rates

0.35%*$100k*-Statement Savings
OTHER TIERS: 0.10% $50 - $10k | 0.15% $10k - $50k | 0.25% $50k - $100k

Warsaw Federal Checking Account Rates

0.15%$250-Premium NOW Account

Warsaw Federal CD Rates

2.35%$1k-5 Year CD
2.30%$1k-4 Year CD
2.20%$1k-3 Year CD
2.15%$1k-30 Month CD
2.10%$1k-2 Year CD
2.00%$1k-18 Month CD
1.65%$1k-15 Month CD
1.55%$1k-1 Year CD
1.35%$500-6 Month CD
1.35%$1k-9 Month CD

Warsaw Federal IRA Rates

2.35%$50-5 Year IRA
2.30%$50-4 Year IRA
2.20%$50-3 Year IRA
2.15%$50-30 Month IRA
2.10%$50-2 Year IRA
2.00%$50-18 Month IRA
1.65%$50-15 Month IRA
1.55%$50-1 Year IRA

Warsaw Federal Locations
Warsaw Federal Savings and Loan Association3533 Warsaw AveCincinnati, OH 45205
Gracely Drive Branch6570 Gracely DriveCincinnati, OH 45233

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