Warsaw Federal

Overview / Commentary

www.warsawfederal.com

513-244-6900

3533 Warsaw Ave
Cincinnati, OH 45205

Warsaw Federal is headquartered in Cincinnati and is the 161^st largest bank in the state of Ohio. It is also the 4,663^rd 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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2016

5/26 - Warsaw Federal (OH) Hikes Rate On 5-Year CD
2/1 - Warsaw Federal (OH) Hikes Rates On 18-Month CD

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Health

Data as of Q4 2019

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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

Overall
FDIC Certificate #	28217
Year Established	1893
Employees	19
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-1.54%
Return on Equity - YTD	-11.61%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$55.4MM$61.6MM
Loans	Q4 2019vs Q4 2018	$30.7MM$39.3MM
Deposits	Q4 2019vs Q4 2018	$48.0MM$53.3MM
Equity Capital	Q4 2019vs Q4 2018	$7.2MM$8.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$520.00K$520.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$217.00K$110.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Checking
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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

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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

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

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