WaFd Bank: 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.
Cre concentration (tier 1 capital + allowance) dropped 6.17 percentage points in Q2 2026, from 350.27% to 344.10%. It was the largest change from Q1 2026 among the key lines here. Within Washington, WaFd Bank is 9th of 29 on loan-to-deposit ratio, 96.13% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. WaFd Bank sits 9.29 points higher, at 96.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.24B |
| Net loans and leases | $20.02B |
| Loans held for sale | $0 |
| Loans to total assets | 73.38% |
| Loan-to-deposit ratio | 96.13% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.83% |
| Multifamily (5+ residential) | 22.96% |
| Commercial and industrial | 10.91% |
| Consumer | 0.26% |
| Credit cards | 0.05% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 344.10% |
| Construction concentration (Tier 1 capital + allowance) | 48.94% |
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 | — |
| Interest income on loans | $268.7M |
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 | $17.66B | $16.25B | 20.34% | 10.17% | 0.36% |
| Q4 2023 | $17.77B | $16.17B | 20.62% | 10.26% | 0.38% |
| Q1 2024 | $23.99B | $21.54B | 16.19% | 7.26% | 0.27% |
| Q2 2024 | $21.55B | $21.36B | 18.69% | 8.67% | 0.33% |
| Q3 2024 | $21.13B | $21.52B | 19.17% | 8.57% | 0.28% |
| Q4 2024 | $21.27B | $21.57B | 18.73% | 8.58% | 0.30% |
| Q1 2025 | $21.13B | $21.59B | 19.15% | 8.11% | 0.39% |
| Q2 2025 | $20.48B | $21.51B | 19.56% | 7.91% | 0.32% |
| Q3 2025 | $20.29B | $21.58B | 20.00% | 8.10% | 0.28% |
| Q4 2025 | $20.05B | $21.51B | 20.25% | 8.49% | 0.25% |
| Q1 2026 | $20.17B | $21.24B | 20.64% | 9.77% | 0.26% |
| Q2 2026 | $20.24B | $21.05B | 20.83% | 10.91% | 0.26% |
WaFd Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WaFd Bank, 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 WaFd Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28088) · FFIEC NIC profile (RSSD 656377)