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Yakima Federal Savings and Loan Association

Yakima, WA · Cert 28116

SI · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Yakima Federal Savings and Loan Association

Yakima, WA · Cert 28116

SI · FDIC · 10 branches

Q2 2026

$2.0BAssets
$913.5MLoans
$1.4BDeposits
$552.5MEquity
Loan mix
100%RE $909.3M0%C&I $0.0M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.3B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

3.33%Q2 ’243.48%Q2 ’253.59%Q2 ’26+17%+14%

Non-interest income vs. expense

1.16%Q2 ’241.32%Q2 ’251.26%Q2 ’26+0%+5%

Market Position · Yakima, WA · 2026 SOD (annual) · 17.0% share · #3 of 13 inst. · $0.7B of $4.0B

17.0% Yakima
11.0% Benton
19.1% Kittitas
16.0% Franklin

Executive Summary

  • Earnings: ROA of 0.94%, up 16 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.28% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 28.14%, up 129 bps from a year ago.
  • Funding: loans stand at 66.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+25 bps YoY

Efficiency Ratio (YTD, annualized)

52.37%-606 bps YoY

Tier 1 Leverage Ratio

28.14%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.77%0.82%0.96%0.94%+16 bps
Return on Equity3.00%2.94%3.11%3.54%3.43%+43 bps
Net Interest Margin1.84%1.86%1.91%2.07%2.09%+25 bps
Efficiency Ratio58.43%58.00%54.99%52.06%52.37%-606 bps
Non-Interest Burden0.90%0.93%0.91%0.90%0.95%+5 bps
Growth
Asset Growth (YoY)-2.43%-2.64%-1.20%-1.34%-0.77%+165 bps
Loan Growth (YoY)10.67%10.60%10.16%7.86%4.61%-606 bps
Deposit Growth (YoY)-1.32%-1.03%-3.11%-3.40%-2.40%-109 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.26%0.26%0.34%0.28%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.54%0.54%0.54%0.56%0.56%+2 bps
Allowance Coverage of NPLs1.7x2.1x2.1x1.7x2.0x+0.2x
Capital
Tier 1 Leverage Ratio26.85%27.02%27.41%27.73%28.14%+129 bps
Total Risk-Based Capital26.85%27.02%27.41%27.73%28.14%+129 bps
Equity / Assets26.47%26.59%27.05%27.23%27.66%+119 bps
Liquidity & Funding
Loans / Deposits62.18%63.48%65.53%65.56%66.64%+447 bps
Liquid Assets / Assets42.54%41.80%41.04%40.17%39.41%-314 bps
CRE / Total Capitaln/a17.69%17.60%17.47%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Yakima Federal Savings and Loan Association

Yakima, WA · Cert 28116 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

SI · FDIC · 10 branches

Q2 2026

$2.0BAssets
$913.5MLoans
$1.4BDeposits
$552.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating in a single state (rank 254 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.94%

Rank 191 of 258

Net Interest Margin

2.09%

Rank 254 of 258

Efficiency Ratio

52.37%

Rank 71 of 257

Equity / Assets

27.66%

Rank 1 of 258

Non-interest income vs. expense

$6.4M$25.4MINCOMEEXPENSE
Unfavorable gap of $19.0M · efficiency ratio beats 73% of banks $1B-$10B in assets operating in a single state
Bank 52.37%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.93%1.23%1.54%Beats 26%191 / 258
Return on Equity3.40%9.26%11.84%14.74%Beats 5%245 / 258
Net Interest Margin2.09%3.16%3.49%3.88%Beats 2%254 / 258
Efficiency Ratio52.37%51.71%60.30%69.65%Beats 73%71 / 257
Asset Quality
Nonperforming Loans / Loans0.28%0.19%0.46%0.90%Beats 64%95 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio28.14%11.41%12.98%15.12%Beats 97%8 / 258
Total Risk-Based Capital Ratio28.14%12.10%13.91%16.08%Beats 97%9 / 258
Equity / Assets27.66%9.09%10.24%11.72%Beats 100%1 / 258
Liquidity & Funding
Loans / Deposits66.64%73.24%86.34%95.95%14th pctl223 / 258
Loans / Assets45.74%63.01%72.27%78.40%5th pctl245 / 258
Brokered Deposits / Depositsn/aNot reported for this institution