Olympia Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Olympia Federal Savings and Loan Association of Olympia, WA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.40% | 1.46% | -1.06% | 7th bottom |
| ROAE | 3.33% | 12.69% | -9.36% | 6th bottom |
| Net Interest Margin | 2.86% | 3.85% | -0.99% | 10th bottom |
| Efficiency Ratio | 83.62% | 57.39% | +26.23% | 5th bottom |
| PPNR / Avg Assets | 0.48% | 1.88% | -1.40% | 4th bottom |
| Yield on Earning Assets | 4.82% | 5.72% | -0.90% | 14th bottom |
| Cost of Funds | 2.13% | 2.02% | +0.11% | 42nd below |
| Net Interest Spread | 2.54% | 3.18% | -0.64% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 1.00% | -0.74% | 76th top |
| NPA / Total Assets | 0.22% | 0.76% | -0.54% | 73rd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 70th above |
| ACL / Total Loans | 0.62% | 1.31% | -0.69% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 236.09% | 564.49% | -328.40% | 61st above |
| Texas Ratio | 1.83% | 7.39% | -5.56% | 79th top |
| Provision / NCO | 1133.33% | 618.31% | +515.02% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.15% | 11.44% | +0.71% | 78th top |
| Equity / Assets | 11.63% | 11.33% | +0.30% | 71st above |
| TCE / Tangible Assets | 11.63% | 10.50% | +1.13% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.66% | 86.94% | +34.72% | 2nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.46% | 85.55% | +1.91% | 43rd below |
| Uninsured Deposit Ratio | 20.01% | 33.13% | -13.12% | 83rd top |
| Wholesale Funding Ratio | 18.52% | 5.69% | +12.83% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.46% | 9.68% | -8.22% | 25th below |
| Loan Growth (Y/Y) | 1.12% | 8.06% | -6.94% | 23rd bottom |
| Deposit Growth (Y/Y) | -1.24% | 7.88% | -9.12% | 13th bottom |
See Olympia Federal Savings and Loan Association's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Olympia Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Olympia Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.