BlastPoint's Banking Scorecard
WaFd Bank
Seattle, WA
214 branches across WA · OR · AZ · ID · NM · CA · UT · NV · TX
WaFd Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.54% below tier average
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.1% in tier
- - Flatlined Growth: Bottom 8.3% in tier
- - ROA 0.29% below tier average
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.6B
-0.3% YoY
+1.0% QoQ
|
-$19.8B |
$47.4B
-2.0% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.0% YoY
|
55% |
| Total Loans ? |
$20.0B
-4.6% YoY
+0.6% QoQ
|
-$9.7B |
$29.6B
-0.4% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.7% YoY
|
59% |
| Total Deposits ? |
$21.2B
-1.6% YoY
-1.2% QoQ
|
-$17.5B |
$38.7B
-1.6% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.0% YoY
|
50% |
| Return on Assets ? |
0.99%
+17.7% YoY
+8.4% QoQ
|
-0.29% |
1.28%
+19.3% YoY
|
0.33%
-42.8% YoY
|
1.24%
+13.1% YoY
|
31% |
| Net Interest Margin ? |
2.84%
+11.2% YoY
+5.3% QoQ
|
-0.93% |
3.77%
+5.6% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
53.36%
-4.6% YoY
-2.1% QoQ
|
-0.54% |
53.90%
-4.0% YoY
|
71.09%
-8.1% YoY
|
66.84%
-3.8% YoY
|
60% |
| Delinquency Rate ? |
0.62%
+116.7% YoY
-35.7% QoQ
|
-0.40% |
1.02%
-4.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
94.02%
-3.0% YoY
+1.9% QoQ
|
+13.13% |
80.88%
+2.0% YoY
|
81.10%
-2.4% YoY
|
76.69%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
12.79%
+7.4% YoY
-1.8% QoQ
|
-7.03% |
19.82%
+0.3% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.1% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.48%
+95.9% YoY
-34.7% QoQ
|
-0.25% |
0.73%
+4.0% YoY
|
0.95%
+54.5% YoY
|
0.66%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.03%
-0.2% YoY
-3.1% QoQ
|
-2.53% |
15.56%
-0.1% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.06%
+4.2% YoY
-74.5% QoQ
|
-0.16% |
0.23%
+0.9% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.0% YoY
|
16% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.