BlastPoint's Banking Scorecard
Olympia Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Olympia, WA
9 branches across WA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
- Deposits -1.2% year over year ($709.7M on the books).
- Delinquency rate 0.26%.
- Return on assets 0.36%.
- Efficiency ratio 84.04% vs a 59.73% peer average.
- Loan-to-deposit ratio 120.90% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Olympia Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 9.3% in tier
- - Efficiency Drag: Bottom 38.3% in tier
- - Return on Assets 1.03% below tier average
- - Net Interest Margin 1.09% below tier average
- - Loan-to-Deposit Ratio 35.87% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.5% YoY
+1.1% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.7% in tier |
| Total Loans ? |
$858.0M
+1.1% YoY
+0.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$709.7M
-1.2% YoY
-3.0% QoQ
|
-$1.6B |
$2.3B
-0.5% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.9% in tier |
| Return on Assets ? |
0.36%
+22.2% YoY
+7.5% QoQ
|
-1.03% |
1.39%
+17.0% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.5% in tier |
| Net Interest Margin ? |
2.78%
+16.3% YoY
+2.4% QoQ
|
-1.09% |
3.87%
+6.2% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio ? |
84.04%
-1.9% YoY
-0.5% QoQ
|
+24.31% |
59.73%
-12.6% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate ? |
0.26%
-17.5% YoY
-29.2% QoQ
|
-0.60% |
0.87%
+11.7% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
120.90%
+2.4% YoY
+3.9% QoQ
|
+35.87% |
85.04%
-0.1% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.42%
+24.1% YoY
-3.1% QoQ
|
-10.85% |
21.27%
-1.5% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.3% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-17.8% YoY
-29.4% QoQ
|
-0.45% |
0.67%
+11.7% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.15%
+1.0% YoY
+1.0% QoQ
|
-2.69% |
14.84%
-0.4% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.11%
-12.3% YoY
+111.2% QoQ
|
-0.42% |
0.53%
+2.5% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.4%
+2.0pp YoY -0.3pp QoQ |
-10.9pp | 21.4% | 25.3% | 22.2% | 11% |
| Brokered Deposits |
2.2%
-4.6pp YoY -1.3pp QoQ |
-7.2pp | 9.5% | 8.9% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.4%
-0.7pp YoY -0.1pp QoQ |
-11.6pp | 14.0% | 10.5% | 12.5% | 7% |
| CRE |
20.3%
-0.8pp YoY -0.3pp QoQ |
-29.7pp | 50.0% | 50.6% | 41.4% | 4% |
| 1-4 Family |
76.9%
+1.2pp YoY +0.2pp QoQ |
+50.5pp | 26.4% | 30.1% | 31.3% | 98% |
| Consumer |
0.8%
+0.3pp YoY +0.3pp QoQ |
-3.9pp | 4.7% | 7.9% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 12.7% | 19.7% | n/a |
| Leverage Ratio |
12.2%
+0.1pp YoY +0.1pp QoQ |
+0.8pp | 11.3% | 10.7% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 16.7% | 13.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
+7 (+6.1%) YoY +2 (+1.7%) QoQ |
-192 | 313 | 343 | 482 | 14% |
| Assets per Employee ($) |
$8.4M
-4.4% YoY -0.6% QoQ |
-$2.1M | $10.5M | $8.5M | $8.8M | 46% |
| Branch Count |
9
+1 (+12.5%) YoY 0 QoQ |
-11 | 20 | 24 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY -0.1pp QoQ |
-0.6pp | 0.8% | 2.6% | 1.0% | 28% |
| Allowance Coverage |
2.36x
+23.3% YoY +40.1% QoQ |
-16.35x | 18.71x | 4.50x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.4% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.1%
+0.6pp YoY +0.2pp QoQ |
-9.5pp | 12.6% | -2.7% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$1.8M
+25.2% YoY — QoQ |
-$17.4M | $19.2M | $14.3M | $40.4M | 3% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.