FDIC Cert #28088 · Seattle, Washington · Est. 1917

WaFd Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.3B
Total assets
B
Health grade · Good
0.91%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

WaFd Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.44% Tier 1, 0.91% ROA, efficient (54% cost ratio).

#79
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
13.44%
Tier 1 ratio - above the 10% well-capitalized line
37th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 28088 · WA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2293/4307
  • PHOTO-FINISH InFirst Bank · PA
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 5.9% Texas
  • ROA-PAR 0.91% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: InFirst Bank, PA (±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 WaFd Bank

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

Morgan Stanley Bank,… · UT ·…100/100InFirst Bank · PA · near77/100Peoples Bank of Deer… · MT ·…77/100River City Bank, Inc. · KY ·…77/100Security Savings Bank · IL ·…77/100WaFd Bank · WA · this bank77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around WaFd Bank · July 2026

Call Report read for WaFd Bank in a high-failure state

WaFd Bank (FDIC Cert #28088) carries a PlainBankData health grade of B at 77/100, 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 #2,293 of 4,307. Tier 1 capital prints at 13.44%, clearing the 10% well-capitalized line. The Texas Ratio is 5.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $27.3B, 79th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is InFirst Bank (PA), 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 WaFd Bank

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

WaFd Bank 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 WaFd Bank'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 WaFd Bank's 77/100 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 avg77/10077/100
WaFd Bank's composite health score
Tier 1 Capital Ratio (13.44%) 35/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (5.88%) 16/20
Efficiency Ratio (54.50%) 12/15

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

Balance sheet at a glance

Total Assets

$27.3B

Total balance-sheet footings

Total Deposits

$21.5B

Customer-funded liabilities

Net Loans

$19.9B

Outstanding loan book

Net Income

$249M

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.) 12.04% 13.44% 14.84%
Basel III capital ratios - WaFd Bank

Where WaFd Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. WaFd Bank's score of 77/100 falls in the highlighted band.

WaFd Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. WaFd Bank 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

WaFd Bank'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). WaFd Bank's $27.3B falls in the highlighted band.

Capital & credit buffers at WaFd Bank

Tier 1 capital ratio
Well-capitalized 10%

13.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.44%
Texas Ratio
5.88%
Equity Capital
$3.1B

What these ratios mean →

Profitability metrics: WaFd Bank

Return on Assets (ROA)
37th percentile nationally
0.91%
Return on Equity (ROE)
8.21%
Efficiency Ratio
54.50%

What these mean →

Income & expense at WaFd Bank

$1.3B
Interest Income
$65M
Non-Interest Income
$416M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. WaFd Bank reports a Texas Ratio of 5.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View WaFd Bank 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.

National size peers: banks closest to WaFd Bank by assets

Measured strictly by total assets rather than geography, WaFd Bank's closest national peers include Axos Bank, Ameris Bank, Charles Schwab Premier Bank, SSB, WesBanco Bank, Inc., spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Washington. Averaged across this asset-matched cohort, return on assets runs 1.19% (WaFd Bank is below that at 0.91%), the efficiency ratio averages 51.24% (WaFd Bank runs higher at 54.50%), and Tier 1 capital averages 17.00% (WaFd Bank holds less at 13.44%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $27.3B in assets, WaFd Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to WaFd Bank nationally by total assets
  1. 1
    Axos Bank $27.2B

    San Diego, CA · Grade A

  2. 2
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  3. 3
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  4. 4
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  5. 5
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  6. 6
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
WaFd Bank (this bank) WA $27.3B 0.91% 54.50% 13.44%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%
Renasant Bank MS $26.7B 0.89% 61.24% 12.00%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.3B here), outside Washington so the neighborhood is not state containment.

Axos Bank $27.2B · CA Ameris Bank $27.4B · GA Charles Schwab Premier Bank, SSB $27.0B · TX WesBanco Bank, Inc. $27.6B · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) WaFd Bank (FDIC Cert #28088) - 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.

WaFd Bank 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
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%
First Fed BankPort Angeles $2.1B C -0.10%