BlastPoint's Banking Scorecard
WaFd Bank
Large
Specialty: Commercial
WA
FDIC cert 28088
Seattle, WA
69
banks in Large tier nationally
1 in WA
View Large leaderboard (WA) →
WaFd Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 6% in Large
- - Liquidity Strain: Bottom 7% in Large
- - Non-Interest Income / Assets 0.85% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.3B
-1.5% YoY
+2.2% QoQ
|
-$47.6B |
$74.9B
-4.4% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$19.9B
-5.8% YoY
-1.2% QoQ
|
-$26.6B |
$46.4B
-2.1% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$21.5B
-0.3% YoY
-0.4% QoQ
|
-$39.0B |
$60.5B
-4.5% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.91%
+25.9% YoY
+2.3% QoQ
|
-0.28% |
1.19%
+17.8% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.70%
+1.7% YoY
+0.6% QoQ
|
-0.76% |
3.46%
+13.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
54.50%
-10.7% YoY
-1.0% QoQ
|
-0.53% |
55.03%
-2.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.96%
+180.1% YoY
+50.6% QoQ
|
+0.09% |
0.88%
-0.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
92.31%
-5.5% YoY
-0.8% QoQ
|
+10.59% |
81.72%
+3.9% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
13.03%
+6.9% YoY
+2.4% QoQ
|
-6.94% |
19.97%
+0.5% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.73%
+167.8% YoY
+40.1% QoQ
|
+0.18% |
0.55%
+9.0% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.44%
+3.8% YoY
+0.3% QoQ
|
+0.12% |
13.33%
-0.7% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.24%
+20.4% YoY
+35.7% QoQ
|
-0.85% |
1.09%
+2.4% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#2 of 17 · Bottom 6% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.91%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#2 of 16 · Bottom 7% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.31%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Large
Why this stands out
Current:
0.24%
(Tier avg: 1.09%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
63
63th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 13.33%
60
60th pctile
Efficiency Ratio
Current: 54.50% · Tier avg: 55.03%
36
36th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.88%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.55%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 13.03% · Tier avg: 19.97%
22
22th pctile
Total Loans
Current: $19.9B · Tier avg: $46.4B
20
20th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.19%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 81.72%
12
12th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.46%
10
10th pctile
Total Assets
Current: $27.3B · Tier avg: $74.9B
9
9th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 1.09%
1
1th pctile
Total Deposits
Current: $21.5B · Tier avg: $60.5B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $21.5B · Tier avg: $60.5B
9
9th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 1.09%
10
10th pctile
Total Assets
Current: $27.3B · Tier avg: $74.9B
12
12th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.46%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 81.72%
20
20th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.19%
22
22th pctile
Total Loans
Current: $19.9B · Tier avg: $46.4B
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 13.03% · Tier avg: 19.97%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.55%
36
36th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.88%
60
60th pctile
Efficiency Ratio
Current: 54.50% · Tier avg: 55.03%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 13.33%