Olympia Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.54 percentage points in Q2 2026, from 117.12% to 121.66%. It was the largest change from Q1 2026 among the key lines here. Olympia Federal Savings and Loan Association has the highest loan-to-deposit ratio of the 29 banks headquartered in Washington, 121.66% as of Q2 2026. Olympia Federal Savings and Loan Association reported 121.66% on loan-to-deposit ratio for Q2 2026, 33.46 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $863.4M |
| Net loans and leases | $858.0M |
| Loans held for sale | $0 |
| Loans to total assets | 84.70% |
| Loan-to-deposit ratio | 121.66% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.86% |
| Multifamily (5+ residential) | 7.12% |
| Commercial and industrial | 2.36% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.59% |
| Construction concentration (Tier 1 capital + allowance) | 35.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.91% |
| Interest income on loans | $10.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $791.7M | $706.5M | 6.61% | 1.03% | 0.48% |
| Q4 2023 | $805.5M | $676.6M | 6.48% | 2.62% | 0.46% |
| Q1 2024 | $819.1M | $669.7M | 6.46% | 3.97% | 0.48% |
| Q2 2024 | $825.5M | $656.3M | 6.40% | 4.01% | 0.52% |
| Q3 2024 | $830.5M | $681.2M | 6.67% | 3.95% | 0.53% |
| Q4 2024 | $842.7M | $689.7M | 6.82% | 3.60% | 0.52% |
| Q1 2025 | $852.4M | $705.0M | 7.08% | 3.36% | 0.56% |
| Q2 2025 | $853.8M | $718.6M | 7.11% | 3.04% | 0.56% |
| Q3 2025 | $862.1M | $716.6M | 7.26% | 2.84% | 0.56% |
| Q4 2025 | $867.3M | $732.9M | 7.31% | 2.60% | 0.59% |
| Q1 2026 | $856.6M | $731.4M | 7.65% | 2.44% | 0.58% |
| Q2 2026 | $863.4M | $709.7M | 7.86% | 2.36% | 0.84% |
Olympia Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Olympia Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Olympia Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28599) · FFIEC NIC profile (RSSD 550279)