Yakima 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.09 percentage points higher than in Q1 2026, at 66.64%. Within Washington, Yakima Federal Savings and Loan Association is 25th of 29 on loan-to-deposit ratio, 66.64% as of Q2 2026, below the middle of the field. Yakima Federal Savings and Loan Association reported 66.64% on loan-to-deposit ratio for Q2 2026, 21.56 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $913.5M |
| Net loans and leases | $908.3M |
| Loans held for sale | $0 |
| Loans to total assets | 45.74% |
| Loan-to-deposit ratio | 66.64% |
| Net loans to equity capital | 1.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.56% |
| Multifamily (5+ residential) | 7.41% |
| Commercial and industrial | 0.00% |
| Consumer | 0.06% |
| 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) | 16.89% |
| Construction concentration (Tier 1 capital + allowance) | 3.59% |
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 | 5.13% |
| Interest income on loans | $11.7M |
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 | $742.8M | $1.45B | 2.12% | 0.00% | 0.01% |
| Q4 2023 | $756.5M | $1.44B | 2.06% | 0.00% | 0.07% |
| Q1 2024 | $768.6M | $1.44B | 2.01% | 0.00% | 0.03% |
| Q2 2024 | $789.0M | $1.42B | 1.94% | 0.00% | 0.02% |
| Q3 2024 | $808.7M | $1.42B | 1.89% | 0.00% | 0.01% |
| Q4 2024 | $826.4M | $1.43B | 1.78% | 0.00% | 0.01% |
| Q1 2025 | $843.5M | $1.44B | 1.73% | 0.00% | 0.01% |
| Q2 2025 | $873.2M | $1.40B | 1.64% | 0.00% | 0.02% |
| Q3 2025 | $894.5M | $1.41B | 1.65% | 0.00% | 0.04% |
| Q4 2025 | $910.4M | $1.39B | 1.60% | 0.00% | 0.05% |
| Q1 2026 | $909.7M | $1.39B | 1.59% | 0.00% | 0.05% |
| Q2 2026 | $913.5M | $1.37B | 1.56% | 0.00% | 0.06% |
Yakima 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 Yakima 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 Yakima Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28116) · FFIEC NIC profile (RSSD 809771)