Olympia Federal Savings and Loan Association
Olympia, WA · Cert 28599 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
SI · FDIC · 9 branches
Q2 2026
$1.0BAssets
$863.4MLoans
$709.7MDeposits
$118.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 24 of 258).
- Widest gap: return on equity trails 97% of banks $1B-$10B in assets operating in a single state (rank 249 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.36%
Rank 247 of 258
Net Interest Margin
2.66%
Rank 236 of 258
Efficiency Ratio
84.04%
Rank 243 of 257
Equity / Assets
11.63%
Rank 72 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.93% | 1.23% | 1.54% | Beats 4% | 247 / 258 | | |
| Return on Equity | 3.10% | 9.26% | 11.84% | 14.74% | Beats 3% | 249 / 258 | | |
| Net Interest Margin | 2.66% | 3.16% | 3.49% | 3.88% | Beats 9% | 236 / 258 | | |
| Efficiency Ratio | 84.04% | 51.71% | 60.30% | 69.65% | Beats 6% | 243 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.90% | Beats 66% | 89 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 91% | 24 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.41% | 12.98% | 15.12% | Beats 36% | 165 / 258 | | |
| Total Risk-Based Capital Ratio | 12.15% | 12.10% | 13.91% | 16.08% | Beats 26% | 191 / 258 | | |
| Equity / Assets | 11.63% | 9.09% | 10.24% | 11.72% | Beats 72% | 72 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.66% | 73.24% | 86.34% | 95.95% | 97th pctl | 7 / 258 | | |
| Loans / Assets | 84.70% | 63.01% | 72.27% | 78.40% | 93rd pctl | 18 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |