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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Washington, the state note

Yakima Federal Savings & Loan Association

Yakima, Washington · $2.00B in assets · beside the 8 other Washington banks between $1B and $3B

The filing

27.7%
Equity / assets
1st of 9
10.5%
CRE / loans
1st of 9
52.4%
Efficiency
1st of 9

Yakima Federal Savings & Loan Association is the fifth largest of the 9 Washington banks between $1B and $3B, with $2.00B in assets at 30 June 2026. Loans are 66.6% of deposits, 2nd of 9 against a median of 86.4%, and equity is 27.7% of assets, the highest in the cohort. Loans grew +4.6% in the year, 2nd of 9, and deposits fell 2.4%; the cohort's median loan growth is +2.4%.

Noncurrent loans are 0.28% of the book, 4th of 9 against a median of 0.35%; 0.23% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 10.5% of loans, the lowest in the cohort against a median of 37.7%, and 17% of capital, below the 300% screen, with construction at 4% against the 100% screen.

Return on assets is 0.94%, 5th of 9 against a median of 0.94%, on an efficiency ratio of 52.4%, the lowest in the cohort. Five years ago it was 0.51%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansWA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 37.7% YF Yakima Federal Savings & Loan Association 10.5% OF Olympia Federal Savings & Loan Association 16.6% FF First Fed Bank 36.1% Bo Bank of the Pacific 36.4% CV Cashmere Valley Bank 37.7% PB Peoples Bank 38.8% SC Sound Community Bank 40.8% TB Timberland Bank 52.5% RB Riverview Bank 54.0%
Loans, year over yearWA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.4% CV Cashmere Valley Bank +6.3% YF Yakima Federal Savings & Loan Association +4.6% TB Timberland Bank +3.9% Bo Bank of the Pacific +3.2% RB Riverview Bank +2.4% OF Olympia Federal Savings & Loan Association +1.1% SC Sound Community Bank -1.4% PB Peoples Bank -2.4% FF First Fed Bank -3.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Yakima Federal among them; owner-occupied excluded; bold marks a screen met
Yakima FederalRankCohort median
Total CRE against capital, the 300% screen17%1st of 9232%
Construction against capital, the 100% screen4%1st of 924%
Construction and land development, share of loans2.2%1st of 93.9%
Non-owner-occupied nonfarm nonresidential, share of loans0.9%1st of 921.5%
Total CRE, the guidance definition, share of loans10.5%1st of 937.7%
CRE growth over 36 months, the third prong+30.3%9th of 9+4.6%
Commercial real estate against capital, the 300% screenWA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 232% YF Yakima Federal Savings & Loan Association 17% OF Olympia Federal Savings & Loan Association 119% CV Cashmere Valley Bank 135% Bo Bank of the Pacific 190% PB Peoples Bank 232% FF First Fed Bank 269% TB Timberland Bank 289% SC Sound Community Bank 311% RB Riverview Bank 344%
CRE growth over 36 months, the guidance's third prongWA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +4.6% FF First Fed Bank -17.5% OF Olympia Federal Savings & Loan Association -2.8% SC Sound Community Bank +2.7% CV Cashmere Valley Bank +3.8% PB Peoples Bank +4.6% RB Riverview Bank +15.3% Bo Bank of the Pacific +19.4% TB Timberland Bank +23.8% YF Yakima Federal Savings & Loan Association +30.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Peoples Bank$2.42B1.0%73.7%0.11%0.00%1.5%93.0%13.3%
Cashmere Valley Bank$2.32B1.1%61.4%0.35%0.38%1.1%52.6%11.1%
First Fed Bank$2.11B0.2%94.7%1.28%0.04%1.0%100.0%8.6%
Timberland Bank$2.06B1.5%53.9%0.56%0.00%1.3%86.0%13.2%
Yakima Federal Savings & Loan Association$2.00B0.9%52.4%0.28%0.00%0.6%66.6%27.7%
Riverview Bank$1.47B-0.8%83.2%0.80%0.19%1.4%86.4%11.4%
Bank of the Pacific$1.26B1.1%70.0%0.04%0.02%1.2%69.2%11.0%
Sound Community Bank$1.07B0.9%71.9%0.90%0.01%0.9%95.4%11.0%
Olympia Federal Savings & Loan Association$1.02B0.4%84.0%0.26%0.00%0.6%121.7%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Yakima FederalCohort median
20212026Change20212026Change
Loans$625M$913M+46%$889M$1.03B+16%
Deposits$1.50B$1.37B-8%$1.47B$1.37B-7%
NPA / loans0.09%0.28%+0.19 pts0.20%0.35%+0.15 pts
Efficiency65.1%52.4%-12.7 pts65.1%71.9%+6.8 pts
ROA0.51%0.94%+0.43 pts1.13%0.94%-0.19 pts

This read was prepared for Yakima Federal Savings & Loan Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Yakima Federal Savings & Loan Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WA banks $1B to $3B
Institution yakimafed.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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