Side-by-side · Q2 2026 data
Warsaw Federal Savings and Loan Association vs Spring Valley Bank
Bank
Warsaw Federal Savings and Loan Association
Cincinnati, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Warsaw Federal Savings and Loan Association | Spring Valley Bank |
|---|---|---|
| TellerScore | 53 | 89 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 57 | 86 (stronger) |
| Earnings | 17 | 100 (stronger) |
| Funding & liquidity | 40 | 49 (stronger) |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 9th | 94th |
| Total assets | $108.5M | $113.6M |
| Deposits / shares | $71.9M | $67.0M |
| Capital ratio | 12.10% | 34.07% (stronger) |
| Problem loans | 1.30% | 0.43% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | -0.08% | 2.90% (stronger) |
| Loans ÷ deposits | 124.0% (stronger) | 154.7% |
| Uninsured deposits | 23.8% | 16.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 18.9% |
Spring Valley Bank has the higher TellerScore (89 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Warsaw Federal Savings and Loan Association leads on 1 and Spring Valley Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.