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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cincinnati, OH · FDIC certificate #28217
WARSAW FS&LA is an FDIC-insured institution based in Cincinnati, OH (FDIC certificate #28217). In its Q3 2026 Call Report it reported total assets of $114M, total deposits of $74M and net loans of $93M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for WARSAW FS&LA from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $74M |
|---|---|
| Net loans and leases | $93M |
Plain-language readout
WARSAW FS&LA in Cincinnati, OH funds its loans with $74M of deposits and holds $93M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for WARSAW FS&LA in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 124.92% in Q3 2026, against 111.17% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $93M | $74M | 124.92% |
| Q2 2026 | $89M | $72M | 124.02% |
| Q1 2026 | $78M | $70M | 111.17% |