Overview / Commentary
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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Health
B
Data as of Q2 2019
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| FDIC Certificate # | 28217 |
| Year Established | 1893 |
| Employees | 22 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.37% |
| Return on Equity - YTD | -10.22% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $56.0MM$65.9MM |
| Loans | Q2 2019vs Q2 2018 | $35.1MM$43.1MM |
| Deposits | Q2 2019vs Q2 2018 | $48.1MM$55.1MM |
| Equity Capital | Q2 2019vs Q2 2018 | $7.7MM$8.3MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $520.00K$520.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $142.00K$407.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$79.00K |
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Always verify rates and promotions with the bank or credit union. We are not Warsaw Federal; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Warsaw Federal Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $100k* | - | Statement Savings | ||
| OTHER TIERS: 0.10% → $50 - $10k | 0.15% → $10k - $50k | 0.25% → $50k - $100k | |||||
Warsaw Federal Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $250 | - | Premium NOW Account |
Warsaw Federal CD Rates
Warsaw Federal IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 |
Locations
| Warsaw Federal Locations | ||
|---|---|---|
| Warsaw Federal Savings and Loan Association | 3533 Warsaw Ave | Cincinnati, OH 45205 |
| Gracely Drive Branch | 6570 Gracely Drive | Cincinnati, OH 45233 |