WaFd Bank
Total assets
$27.58B
▲ +3.2% YoY
Deposits
$21.05B
▼ -2.1% YoY
Loans
$20.02B
▼ -1.3% YoY
Offices
213
WAFD INC
ROA (annualized)
0.99%
peers 1.23%
ROE (annualized)
8.98%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | WaFd Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.9% | -2.7 pts |
| Deposit growth (YoY) | -2.1% | +5.7% | -7.8 pts |
| Loan growth (YoY) | -1.3% | +6.9% | -8.2 pts |
| ROA | 0.99% | 1.23% | -0.2 pts |
| ROE | 9.0% | 11.2% | -2.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WAFD INC
- Specialization
- Commercial Lending Specialization
- Address
- 425 Pike St, Seattle, WA, 98101
- County
- King
- Metro area
- Seattle-Tacoma-Bellevue, WA
- Offices
- 213
- FDIC cert #
- 28088
- RSSD ID
- 656377
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.58B | $21.05B | $20.02B | $3.03B | $135.9M | 0.99% | 2.87% | 0.49% |
| Q1 2026 | $27.55B | $21.24B | $19.97B | $3.00B | $67.9M | 0.99% | 2.84% | 0.48% |
| Q4 2025 | $27.27B | $21.51B | $19.85B | $3.06B | $248.7M | 0.91% | 2.70% | 0.73% |
| Q3 2025 | $26.68B | $21.58B | $20.09B | $3.04B | $182.2M | 0.89% | 2.68% | 0.52% |
| Q2 2025 | $26.72B | $21.51B | $20.28B | $3.03B | $121.5M | 0.89% | 2.64% | 0.35% |
| Q1 2025 | $27.63B | $21.59B | $20.93B | $3.02B | $58.2M | 0.84% | 2.55% | 0.24% |
| Q4 2024 | $27.67B | $21.57B | $21.07B | $3.01B | $199.2M | 0.73% | 2.65% | 0.27% |
| Q3 2024 | $28.05B | $21.52B | $20.92B | $3.01B | $149.3M | 0.73% | 2.72% | 0.26% |
Loan mix (Q2 2026): real estate $17.82B · commercial $2.21B · consumer $52.7M · securities $5.05B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | WaFd Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.23% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.3% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.55% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 54.9% | 40th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | WaFd Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | WaFd Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | WaFd Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | WaFd Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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