Yakima, WA · Cert 28116
SI · FDIC · 10 branches
Q2 2026
Market Position · Yakima, WA · 2026 SOD (annual) · 17.0% share · #3 of 13 inst. · $0.7B of $4.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.77% | 0.82% | 0.96% | 0.94% | +16 bps | |
| Return on Equity | 3.00% | 2.94% | 3.11% | 3.54% | 3.43% | +43 bps | |
| Net Interest Margin | 1.84% | 1.86% | 1.91% | 2.07% | 2.09% | +25 bps | |
| Efficiency Ratio | 58.43% | 58.00% | 54.99% | 52.06% | 52.37% | -606 bps | |
| Non-Interest Burden | 0.90% | 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 / Loans | 0.31% | 0.26% | 0.26% | 0.34% | 0.28% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.54% | 0.54% | 0.54% | 0.56% | 0.56% | +2 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.1x | 2.1x | 1.7x | 2.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 26.85% | 27.02% | 27.41% | 27.73% | 28.14% | +129 bps | |
| Total Risk-Based Capital | 26.85% | 27.02% | 27.41% | 27.73% | 28.14% | +129 bps | |
| Equity / Assets | 26.47% | 26.59% | 27.05% | 27.23% | 27.66% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.18% | 63.48% | 65.53% | 65.56% | 66.64% | +447 bps | |
| Liquid Assets / Assets | 42.54% | 41.80% | 41.04% | 40.17% | 39.41% | -314 bps | |
| CRE / Total Capital | n/a | 17.69% | 17.60% | 17.47% | n/a | n/a | |