BlastPoint's Banking Scorecard
Warsaw Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 28217
Cincinnati, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Warsaw Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.66% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.97% below tier
- - Net Interest Margin 1.72% below tier
- - Efficiency Ratio 28.57% above tier
- - Loan-to-Deposit Ratio 31.36% above tier
- - Non-Interest-Bearing Deposit Share 15.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.5M
+6.7% YoY
-1.2% QoQ
|
-$116.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$71.3M
-5.7% YoY
-4.9% QoQ
|
-$67.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$67.4M
+2.9% YoY
-2.0% QoQ
|
-$116.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.11%
+163.3% YoY
+587.0% QoQ
|
-0.97% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.13%
+14.5% YoY
+0.6% QoQ
|
-1.72% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
96.29%
-15.2% YoY
-5.2% QoQ
|
+28.57% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.81%
+259.2% YoY
+163.2% QoQ
|
+1.17% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
105.88%
-8.3% YoY
-2.9% QoQ
|
+31.36% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.95%
-27.1% YoY
+11.2% QoQ
|
-15.44% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.29%
+217.4% YoY
+153.3% QoQ
|
+0.83% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
22.51%
+60.3% YoY
+9.3% QoQ
|
+13.66% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.67%
-12.5% YoY
+71.7% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.51%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.29%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.88%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.95%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Tier 1 Capital Ratio
Current: 22.51% · Tier avg: 8.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $71.3M · Tier avg: $139.2M
23
23th pctile
Total Assets
Current: $100.5M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.4M · Tier avg: $183.7M
15
15th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.95% · Tier avg: 22.39%
6
6th pctile
Efficiency Ratio
Current: 96.29% · Tier avg: 67.73%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.88% · Tier avg: 74.53%
3
3th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.85%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.88% · Tier avg: 74.53%
6
6th pctile
Efficiency Ratio
Current: 96.29% · Tier avg: 67.73%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.95% · Tier avg: 22.39%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.64%
16
16th pctile
Total Deposits
Current: $67.4M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $100.5M · Tier avg: $217.5M
30
30th pctile
Total Loans
Current: $71.3M · Tier avg: $139.2M
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.51% · Tier avg: 8.85%