Warsaw Fs&La
Cincinnati, Ohio · FDIC Cert #28217
Warsaw Fs&La is an FDIC-insured bank (Certificate #28217) with $105M in total assets and $64M in total deposits as of the Q2 2024 Call Report. Headquartered in Cincinnati, Ohio, the bank maintains a Tier 1 capital ratio of 10.71% (Well-Capitalized) and a nonperforming loan ratio of 0.47%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Warsaw Fs&La (FDIC cert 28217) is a community bank — $105M in total assets, $64M in deposits, serving the Cincinnati, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.71% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.47% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 20.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.19% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Warsaw Fs&La carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Warsaw Fs&La
- Total Assets
- $105M
- Total Deposits
- $64M
- Tier 1 Capital Ratio
- 10.71%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.47%
- Liquidity Ratio
- 20.41%
- Return on Assets
- -0.19%
- Headquarters
- Cincinnati, Ohio
- FDIC Certificate
- #28217
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Warsaw Fs&La holds a Tier 1 capital ratio of 10.71%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Warsaw Fs&La has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Warsaw Fs&La shows strong financial health indicators. With $105M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Warsaw Fs&La Compares
Warsaw Fs&La’s Health Score of 67 is 0 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 10.71% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.47% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.19% is below the national ROA benchmark of ~1.1%. Among 1133 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Warsaw Fs&La is 3 points below the portfolio average of 70.
Frequently Asked Questions
Warsaw Fs&La has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.71%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Warsaw Fs&La's Tier 1 capital ratio of 10.71% and nonperforming loan ratio of 0.47% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Warsaw Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28217). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Warsaw Fs&La holds $105M in total assets and $64M in total deposits. It is headquartered in Cincinnati, Ohio (FDIC Certificate #28217).
Warsaw Fs&La has a Tier 1 capital ratio of 10.71%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.47%, and the return on assets is -0.19%.
Yes. Warsaw Fs&La is FDIC-insured (Certificate #28217). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Warsaw Fs&La's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.