Yakima Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Yakima Federal Savings and Loan Association is an FDIC-insured savings bank headquartered in Yakima, WA, supervised by the FDIC, with $2.00B in total assets at Q2 2026, down 0.8% from Q2 2025, the 11th largest of 29 banks headquartered in Washington. It was established in 1905 and holds FDIC certificate 28116. It reports no CET1 ratio; its Tier 1 leverage ratio was 28.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28116
- Headquarters
- Yakima, WA
- Established
- 1905
- Total assets, Q2 2026
- $2.00B
- Assets vs Q2 2025
- -0.8%
- Tier 1 leverage ratio, Q2 2026
- 28.14%
- Domestic offices
- 10 · Yakima Federal Savings and Loan Association branches FDIC institution directory, current count
- Routing number
- 325171122
- Safety and soundness
- Is Yakima Federal Savings and Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Yakima Federal Savings and Loan Association Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 11th of 29 in Washington
Yakima Federal Savings and Loan Association, based in Yakima, Washington, reported $2.0 billion in assets at June 30, 2026. It returns 3.3% a year on shareholders' equity, a small fraction of the median of 12.7% for the 880 banks with $1 billion to $10 billion in assets. It also keeps 2.27 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Loans and deposits moved in opposite directions: over the year loans rose 4.6% and deposits fell 2.4%. Unrealized losses on its securities total $122 million, equal to 22% of Tier 1 capital, against 26% a year earlier.
As of June 30, 2026, Yakima Federal Savings and Loan Association reported a return on assets of 0.91%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in Washington, Yakima Federal Savings and Loan Association is the 11th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $2.00B, loans rose 0.4% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 88.7% of total loans, ahead of multifamily loans at 7.4%. The FDIC Summary of Deposits lists 10 offices for it, in 7 cities in WA; its Yakima 3 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Yakima Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 118 E Yakima Ave, Yakima, WA 98901
- County
- Yakima
- Metro Area
- Yakima, WA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $1.37B
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $2.01B
- Average total loans
- $912.4M
- Average interest-bearing deposits
- $1.18B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28116
- Fed RSSD
- 809771
- Website
- yakimafed.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Yakima Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Yakima Federal Savings and Loan Association's total assets ranged from $1.98B (Q3 2023) to $2.08B (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.00B total assets against $2.01B; $1.44B total liabilities against $1.48B.
$908.3M net loans and leases against $868.5M; $1.37B total deposits against $1.40B.
$860.8M securities against $916.7M; $88.2M cash and balances due against $82.3M.
$18.0M total interest income against $17.8M; $7.4M total interest expense against $8.3M.
$10.5M net interest income against $9.4M.
$1.3M total noninterest income against $2.8M; $6.2M total noninterest expense against $6.8M.
$28K provision for credit losses against $306K.
$4.6M net income against $4.6M.
0.91% return on assets against 0.90%; 2.27% net interest margin against 2.00%.
28.14% tier 1 leverage ratio against 26.85%.
Inside the full Yakima Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Yakima Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 601 of 4,196, for total assets; its furthest is 2,980 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q3 2024) to 0.96% (Q4 2025) and its net interest margin ran from 1.65% (Q3 2024) to 2.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.14% | 0.91% | 0.28% | 0.47% | 2.27% |
| Q1 2026 | 27.73% | 0.96% | 0.34% | 0.56% | 2.23% |
| Q4 2025 | 27.41% | 0.96% | 0.26% | 0.44% | 2.16% |
| Q3 2025 | 27.02% | 0.74% | 0.26% | 0.42% | 2.07% |
| Q2 2025 | 26.85% | 0.90% | 0.31% | 0.51% | 2.00% |
| Q1 2025 | 26.48% | 0.65% | 0.27% | 0.43% | 1.90% |
| Q4 2024 | 26.15% | 0.61% | 0.29% | 0.45% | 1.73% |
| Q3 2024 | 25.67% | 0.60% | 0.15% | 0.23% | 1.65% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Yakima Federal Savings and Loan Association (main office) | Yakima , WA | 98901 | $230.4M |
| Ellensburg Branch | Ellensburg , WA | 98926 | $216.9M |
| Yakima Branch | Yakima , WA | 98908 | $181.5M |
| Stadium Branch | Yakima , WA | 98902 | $158.8M |
| Pasco Branch | Pasco , WA | 99301 | $144.9M |
| Queensgate Branch | Richland , WA | 99352 | $107.3M |
| Sunnyside Branch | Sunnyside , WA | 98944 | $107.1M |
| Prosser Branch | Prosser , WA | 99350 | $97.7M |
| Kennewick Branch | Kennewick , WA | 99336 | $73.3M |
| West Gage Blvd Branch | Kennewick , WA | 99336 | $52.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in WA, rank 20 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Yakima Federal Savings and Loan Association
What are Yakima Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Yakima Federal Savings and Loan Association reported total assets of $2.00 billion in its FFIEC call report.
Where is Yakima Federal Savings and Loan Association headquartered?
It is headquartered in Yakima, WA, United States.
When was Yakima Federal Savings and Loan Association founded?
It was established in 1905, per the FDIC institution directory.
Is Yakima Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28116). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Yakima Federal Savings and Loan Association?
Yakima Federal Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does Yakima Federal Savings and Loan Association operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Yakima Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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