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WaFd Bank
Seattle, WA·FDIC Cert #28088·Charter: STATE·Est. 19170101.0·HC: WAFD INC
Total Assets
$27.3B
Q4 2025
Return on Assets
0.91%
+0.02%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.50%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%+0.02
ROE
8.21%+0.18
Efficiency
54.50%-0.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.96%+0.32
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.31%-0.77
Charge-offs
0.07%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.6 | 0.7 | 0.7 | 0.8 | 0.9 | 0.9 | 0.9 |
| ROE | 2.7 | 6.2 | 7.0 | 6.9 | 7.7 | 8.1 | 8.0 | 8.2 |
| Efficiency | 76.4 | 64.2 | 60.8 | 61.0 | 56.0 | 55.1 | 55.0 | 54.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.6 | 1.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 110.5 | 99.9 | 97.2 | 97.7 | 96.9 | 94.3 | 93.1 | 92.3 |
Balance Sheet
Total Assets$27.3B
Total Deposits$21.5B
Total Loans$19.9B
Total Equity$3.1B
Profitability
ROA0.91%
ROE8.21%
Efficiency Ratio54.50%
Net Income$248.7M
Risk & Asset Quality
NPL Ratio0.96%
Charge-off Rate0.07%
Loan/Deposit92.31%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans