YAKIMA FEDERAL SAVINGS AND LOAN ASSOCIATION

YAKIMA, WA · Supervised by FDIC

Est. 1905FDIC #28,116RSSD: FDIC-28116

Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Is this bank safe?

YAKIMA FEDERAL SAVINGS AND LOAN ASSOCIATION holds a Satisfactory CRA rating (2024), and meets basic financial requirements (ROA +0.96%).

Institution Profile

FDIC BankFind

Website

yakimafed.com

Address

118 E Yakima Ave, YAKIMA, WA

County

Yakima County

Established

January 1, 1905

Total Assets

$2.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.4B

Net Loans

$905M

Net Income

$5M

ROA

0.96%

Above avg for Community banks. Peer avg: 0.90%

ROE

3.54%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.96%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate9.01%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.4B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	544	76.1%	9.01%
2023	432	76.16%	12.96%
2022	576	78.65%	8.33%
2021	650	84%	7.69%
2020	691	82.49%	6.66%
2019	645	83.26%	8.06%
2018	525	86.48%	5.71%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2024	Satisfactory	Large Bank
Mar 2021	Satisfactory	Large Bank
Feb 2018	Satisfactory	Large Bank

1 previous rating locked — back to 2016

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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