Warsaw Federal

Overview / Commentary
3533 Warsaw Ave
Cincinnati, OH 45205

Warsaw Federal is headquartered in Cincinnati and is the 161st largest bank in the state of Ohio. It is also the 4,663rd largest bank in the nation. It was established in 1893 and as of December of 2019, it had grown to 19 employees at 2 locations. Warsaw Federal 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-1.54%
Return on Equity - YTD-11.61%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$55.4MM$61.6MM
LoansQ4 2019vs Q4 2018$30.7MM$39.3MM
DepositsQ4 2019vs Q4 2018$48.0MM$53.3MM
Equity CapitalQ4 2019vs Q4 2018$7.2MM$8.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$520.00K$520.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$217.00K$110.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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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

1.12%$1k-5 Year CD
1.02%$1k-3 Year CD
1.02%$1k-4 Year CD
0.97%$1k-30 Month CD
0.86%$1k-2 Year CD
0.76%$1k-1 Year CD
0.76%$1k-18 Month CD
0.76%$1k-15 Month CD
0.51%$500-6 Month CD
0.51%$1k-9 Month CD

Warsaw Federal IRA Rates

1.12%$50-5 Year IRA
1.02%$50-3 Year IRA
1.02%$50-4 Year IRA
0.97%$50-30 Month IRA
0.86%$50-2 Year IRA
0.76%$50-18 Month IRA
0.76%$50-1 Year IRA
0.76%$50-15 Month 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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