Total Assets
$2.0B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Yakima Federal Savings and Loan Association — FDIC Bank Health Profile
Yakima, Washington · Est. 1905. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #28116 San Francisco Region
F
Health grade
At Risk
Score: 26/100
Basel III capital ratios — Yakima Federal Savings and Loan Association
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$905M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$543M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.82%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
3.11%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
54.99%
Income & Expense Breakdown
$72M
Interest Income
$6M
Non-Interest Income
$25M
Non-Interest Expense
FDIC Deposit Insurance
Yakima Federal Savings and Loan Association is FDIC-insured (Certificate #28116). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $2.0B in total assets and $1.4B in customer deposits, with $905M deployed as loans. It operates as a State chartered (SI) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Yakima Federal Savings and Loan Association reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $543M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.82% and a Return on Equity of 3.11%, with an Efficiency Ratio of 54.99% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of F (26/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Yakima Federal Savings and Loan Association is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Washington by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Yakima Federal Savings and Loan Association (FDIC Cert #28116) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Seattle | $27.3B | C | 0.91% |
| Banner Bank Walla Walla | $16.3B | C | 1.24% |
| Washington Trust Bank Spokane | $10.7B | D | 0.89% |
| Heritage Bank Olympia | $7.0B | C | 1.07% |
| Coastal Community Bank Everett | $4.7B | B | 1.11% |
| 1st Security Bank of Washington Mountlake Terrace | $3.2B | C | 1.14% |
| Peoples Bank Bellingham | $2.5B | F | 1.00% |
| Cashmere Valley Bank Cashmere | $2.3B | F | 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 F (26/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
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. It is headquartered in Yakima, Washington.
Is my money safe at Yakima Federal Savings and Loan Association? ▼
Yes. Yakima Federal Savings and Loan Association is FDIC-insured (Certificate #28116). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Yakima Federal Savings and Loan Association? ▼
Yakima Federal Savings and Loan Association has an Efficiency Ratio of 54.99%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.