Olympia Federal Savings and Loan Association
Olympia, WA · Cert 28599 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267)
SI · FDIC · 9 branches
Q2 2026
$1.0BAssets
$863.4MLoans
$709.7MDeposits
$118.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 93% of banks $1B-$10B in assets operating in a single state (rank 21 of 267).
- Widest gap: return on equity trails 97% of banks $1B-$10B in assets operating in a single state (rank 258 of 267).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.36%
Rank 256 of 267
Net Interest Margin
2.66%
Rank 242 of 267
Efficiency Ratio
84.04%
Rank 252 of 266
Equity / Assets
11.63%
Rank 77 of 267
Non-interest income vs. expense
Unfavorable gap of $21.9M · efficiency ratio beats 6% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.93% | 1.23% | 1.55% | Beats 4% | 256 / 267 | |
| Return on Equity | 3.10% | 9.16% | 11.84% | 14.56% | Beats 3% | 258 / 267 | |
| Net Interest Margin | 2.66% | 3.12% | 3.50% | 3.88% | Beats 9% | 242 / 267 | |
| Efficiency Ratio | 84.04% | 51.36% | 60.21% | 69.66% | Beats 6% | 252 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.89% | Beats 66% | 91 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 93% | 21 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.29% | 13.05% | 15.13% | Beats 37% | 168 / 267 | |
| Total Risk-Based Capital Ratio | 12.15% | 11.95% | 13.87% | 16.27% | Beats 28% | 193 / 267 | |
| Equity / Assets | 11.63% | 9.18% | 10.29% | 11.76% | Beats 71% | 77 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 121.66% | 72.68% | 86.16% | 95.22% | 97th pctl | 7 / 267 | |
| Loans / Assets | 84.70% | 62.46% | 71.96% | 78.38% | 93rd pctl | 20 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |