Warsaw Federal Savings and Loan Association: how it compares with its peers
Against 54 OH banks with half to twice its assets, Warsaw Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $5.6M peer median). Its weakest relative measure is return on assets (-0.08% vs. 0.77%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.08% | 0.77% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.98% | 3.69% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 100.08% | 77.09% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $5.6M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 124.02% | 77.40% | Context |
What it means for lending operations
Its efficiency ratio of 100.08% is above the 77.09% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Magnolia Company Magnolia, OH · $108M
- The Sherwood State Bank Sherwood, OH · $108M
- First Mutual Bank, FSB Belpre, OH · $110M
- The Peoples Savings and Loan Company West Liberty, OH · $110M
- The Corn City State Bank Deshler, OH · $104M
- Spring Valley Bank Wyoming, OH · $114M
Questions about Warsaw Federal Savings and Loan Association
How big is Warsaw Federal Savings and Loan Association?
Warsaw Federal Savings and Loan Association, established in 1893, is headquartered in Cincinnati, OH. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Warsaw Federal Savings and Loan Association's return on assets?
-0.08% annualized in Q2 2026, against a 0.77% median for 54 OH banks with half to twice its assets, ahead of 4% of them.
What is Warsaw Federal Savings and Loan Association's efficiency ratio?
100.08% in Q2 2026: it spent about 100 cents in noninterest expense for each dollar of revenue. The peer median is 77.09%, and lower is better.
Is Warsaw Federal Savings and Loan Association growing its loans?
Net loans grew 15.9% over the year to Q2 2026, while deposits grew 12.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.