Bank · FDIC insured
Warsaw Federal
Top CarrotA $108.5M bank headquartered in Cincinnati, OH, with 1 branch in Ohio. Best rates: CDs 4.15% and savings 3.04% APY.
Warsaw Federal Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#8 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Warsaw Federal
Warsaw Federal began in 1893 to help people and businesses obtain needed loans and mortgages in the Price Hill neighborhood of Cincinnati.
As a mutual bank owned by its depositors and borrowers rather than shareholders, it operates as a designated Minority Depository Institution.
The bank serves the greater Cincinnati area as an affiliate of First Mutual Holding Co.
- Headquarters
- 3533 Warsaw Ave, Cincinnati, OH 45205
- FDIC certificate
- 28217 ↗
Branches
1 branch in Ohio
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Ohio
1 branch
- Warsaw Federal Savings and Loan AssociationMain office3533 Warsaw Ave, Cincinnati, OH 45205Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.10% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.30% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $125 | $81 | — |
- CapitalLeverage ratio12.10%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.30%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$125Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Warsaw Federal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.