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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 $0.5MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $1.3B8%Noninterest $0.1BQ3 2024Q2 2026

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 0.91%, up 1 bps year over year; NIM at 2.10%.
  • 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.

Return on Assets (quarter, annualized)

0.91%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.10%+25 bps YoY

Efficiency Ratio (quarter, annualized)

52.69%-255 bps YoY

Tier 1 Leverage Ratio

28.14%+129 bps YoY

NIM

3.35%Q2 ’243.49%Q2 ’253.58%Q2 ’26+19%+13%

Non-interest income vs. expense

1.17%Q2 ’241.33%Q2 ’251.24%Q2 ’26-14%+27%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.61%0.66%0.90%0.75%0.97%0.96%0.91%+1 bps
Return on Equity2.40%2.40%2.55%3.46%2.82%3.61%3.54%3.32%-13 bps
Net Interest Margin1.57%1.65%1.81%1.86%1.92%2.01%2.07%2.10%+25 bps
Efficiency Ratio62.95%63.60%62.07%55.24%57.10%45.89%52.06%52.69%-255 bps
Non-Interest Burden0.89%0.93%1.02%0.78%1.00%0.81%0.90%0.99%+21 bps
Growth
Asset Growth (YoY)5.00%-2.19%-1.89%-2.43%-2.64%-1.20%-1.34%-0.77%+165 bps
Loan Growth (YoY)8.88%9.25%9.74%10.67%10.60%10.16%7.86%4.61%-606 bps
Deposit Growth (YoY)-1.95%-0.73%-0.42%-1.32%-1.03%-3.11%-3.40%-2.40%-109 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.29%0.27%0.31%0.26%0.26%0.34%0.28%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.52%0.53%0.53%0.54%0.54%0.54%0.56%0.56%+2 bps
Allowance Coverage of NPLs3.5x1.8x1.9x1.7x2.1x2.1x1.7x2.0x+0.2x
Capital
Tier 1 Leverage Ratio25.67%26.15%26.48%26.85%27.02%27.41%27.73%28.14%+129 bps
Total Risk-Based Capital61.99%26.15%26.48%26.85%27.02%27.41%27.73%28.14%+129 bps
Equity / Assets25.19%25.74%25.89%26.47%26.59%27.05%27.23%27.66%+119 bps
Liquidity & Funding
Loans / Deposits56.81%57.63%58.71%62.18%63.48%65.53%65.56%66.64%+447 bps
Liquid Assets / Assets47.47%45.70%44.88%42.54%41.80%41.04%40.17%39.41%-314 bps
CRE / Total Capitaln/an/an/an/a17.69%17.60%17.47%n/an/a