FDIC Cert #28599 · Olympia, Washington · Est. 1906

Olympia Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Olympia Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.0B
Total assets
C
Health grade · Fair
0.25%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

Olympia Federal Savings and Loan Association earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.97% Tier 1, 0.25% ROA, 88% efficiency ratio.

#1,019
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
11.97%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 28599 · WA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4011/4307
  • PHOTO-FINISH Argentine Federal Sa… · KS
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-THIN 0.25% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Argentine Federal Savings, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Olympia Federal Savings and Loan Asso…

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Argentine Federal Sa… · KS ·…55/100Ascendia Bank · NJ · near55/100Community Savings Bank · IL …55/100Haddon Savings Bank · NJ · n…55/100Olympia Federal Savi… · WA ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Olympia Federal Savings and Loan Asso… · July 2026

Call Report read for Olympia Federal Savings and Loan Asso… in a high-failure state

Olympia Federal Savings and Loan Association (FDIC Cert #28599) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,011 of 4,307. Tier 1 capital prints at 11.97%, clearing the 10% well-capitalized line. The Texas Ratio is 2.22%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.25%. Balance-sheet scale is $1.0B, 1,019th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Argentine Federal Savings (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Olympia Federal Savings and Loan Asso…

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Olympia Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Olympia Federal Savings and Loan Association's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How Olympia Federal Savings and Loan Association's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Olympia Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (11.97%) 28/40
Return on Assets (ROA) (0.25%) 7/25
Texas Ratio (2.22%) 20/20
Efficiency Ratio (87.86%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$733M

Customer-funded liabilities

Net Loans

$862M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.57% 11.97% 13.37%
Basel III capital ratios - Olympia Federal Savings and Loan Association

Where Olympia Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Olympia Federal Savings and Loan Association's score of 55/100 falls in the highlighted band.

Olympia Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Olympia Federal Savings and Loan Asso… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Olympia Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Olympia Federal Savings and Loan Association's $1.0B falls in the highlighted band.

Capital & credit buffers at Olympia Federal Savings and Loan Asso…

Tier 1 capital ratio
Well-capitalized 10%

11.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.97%
Texas Ratio
2.22%
Equity Capital
$117M

What these ratios mean →

Profitability metrics: Olympia Federal Savings and Loan Asso…

Return on Assets (ROA)
9th percentile nationally
0.25%
Return on Equity (ROE)
2.19%
Efficiency Ratio
87.86%

What these mean →

Income & expense at Olympia Federal Savings and Loan Asso…

$44M
Interest Income
$2M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Olympia Federal Savings and Loan Association reports a Texas Ratio of 2.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Olympia Federal Savings and Loan Association on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Washington so the neighborhood is not state containment.

Frontier Bank of Texas $1.0B · TX Cornhusker Bank $1.0B · NE Security Financial Bank $1.0B · WI Brentwood Bank $1.0B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Olympia Federal Savings and Loan Association (FDIC Cert #28599) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Olympia Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%