Total Assets
$2.0B
Total balance-sheet footings
FDIC Cert #28116 · Yakima, Washington · Est. 1905
Yakima Federal Savings and Loan Association - FDIC Bank Health Profile
A community-scale look at Yakima Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.0B
- Total assets
- A
- Health grade · Excellent
- 0.82%
- Return on assets
- 27.4%
- Tier 1 capital
Data updated July 2026
The verdict
Yakima Federal Savings and Loan Association earns a PlainBankData health grade of A (86/100), with well-capitalized at 27.41% Tier 1, 0.82% ROA, efficient (55% cost ratio).
- #600
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 27.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- 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.
How Yakima Federal Savings and Loan Association's 86/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Yakima Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (27.41%) 40/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (54.99%) 12/15
86 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$905M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Yakima Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Yakima Federal Savings and Loan Association's score of 86/100 falls in the highlighted band.
Yakima 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). Yakima Federal Savings and Loan Association's $2.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
27.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
27.41%
Texas Ratio
0.44%
Equity Capital
$543M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
3.11%
Efficiency Ratio
54.99%
What the numbers say about Yakima Federal Savings and Loan Association
Yakima Federal Savings and Loan Association is an FDIC-insured institution (Certificate #28116) headquartered in Yakima, Washington, established in 1905. It holds $2.0B in total assets - 600th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $905M in net loans. Its capital position: a Tier 1 ratio of 27.41%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.44% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (86 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Yakima Federal Savings and Loan Association sits 10th of 30 banks headquartered in Washington by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$72M
Interest Income
$6M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Yakima Federal Savings and Loan Association reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Washington by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Yakima Federal Savings and Loan Association (FDIC Cert #28116) - 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.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Yakima Federal Savings and Loan Association's health grade?▼
Yakima Federal Savings and Loan Association receives a health grade of A (86/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Yakima Federal Savings and Loan Association?▼
Yakima Federal Savings and Loan Association holds $2.0B in total assets and $1.4B in deposits, ranking 600th of 4,313 FDIC-insured banks by asset size. It is headquartered in Yakima, Washington.
Is my money safe at Yakima Federal Savings and Loan Association?▼
Yes, deposits at Yakima Federal Savings and Loan Association (Certificate #28116) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Yakima Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Yakima Federal Savings and Loan Association has a Tier 1 Capital Ratio of 27.41%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Yakima Federal Savings and Loan Association?▼
Yakima Federal Savings and Loan Association has a Texas Ratio of 0.44%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Yakima Federal Savings and Loan Association?▼
Yakima Federal Savings and Loan Association has an Efficiency Ratio of 54.99%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Yakima Federal Savings and Loan Association's profile as a depositor or analyst.
- Yakima Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Yakima Federal Savings and Loan Association against other Washington banks before moving funds. Washington banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.