WaFd Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 7.58 percentage points in Q2 2026, from 85.06% to 92.64%. It was the largest change from Q1 2026 among the key lines here. Within Washington, WaFd Bank is 15th of 29 on return on assets, 0.98% as of Q2 2026, below the middle of the field. WaFd Bank reported 0.98% on return on assets for Q2 2026, 0.31 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.14% |
| Tier 1 leverage ratio | 9.21% |
| Equity capital to assets | 10.98% |
| Tangible equity to tangible assets | 9.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.15% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.58% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 92.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 9.03% |
| Net interest margin | 2.82% |
| Efficiency ratio | 51.77% |
| Yield on earning assets | 5.10% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.13% |
| Core deposits to total deposits | 82.12% |
| Brokered deposits to total deposits | 7.18% |
| Deposits to assets | 76.34% |
| Securities to assets | 18.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.63% | 11.63% | 12.81% | 9.01% | 0.90% |
| Q4 2023 | 12.10% | 12.10% | 13.31% | 9.12% | 1.06% |
| Q1 2024 | 11.76% | 11.76% | 12.85% | 9.91% | 0.29% |
| Q2 2024 | 12.79% | 12.79% | 13.92% | 8.37% | 0.92% |
| Q3 2024 | 12.94% | 12.94% | 14.08% | 8.94% | 0.89% |
| Q4 2024 | 12.95% | 12.95% | 14.10% | 9.12% | 0.72% |
| Q1 2025 | 13.05% | 13.05% | 14.19% | 9.21% | 0.85% |
| Q2 2025 | 13.43% | 13.43% | 14.58% | 9.49% | 0.94% |
| Q3 2025 | 13.40% | 13.40% | 14.55% | 9.61% | 0.91% |
| Q4 2025 | 13.44% | 13.44% | 14.60% | 9.55% | 0.99% |
| Q1 2026 | 13.03% | 13.03% | 14.19% | 9.17% | 0.99% |
| Q2 2026 | 12.95% | 12.95% | 14.14% | 9.21% | 0.98% |
WaFd Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WaFd Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)