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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended December 31, 2025


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number 001-34654

WAFD, INC.

(Exact name of registrant as specified in its charter)

Washington

91-1661606

(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification No.)

425 Pike Street

Seattle

Washington

98101

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code (206) 624-7930

(Former name, former address and former fiscal year, if changed since last report.)

Securities registered pursuant to Section 12(b) of the Act:


Title of Each Class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $1.00 par value per share	WAFD	NASDAQ Stock Market
Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock	WAFDP	NASDAQ Stock Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 ("Exchange Act") during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large accelerated filer	☒	Accelerated filer	☐
Non-accelerated filer	☐	Smaller reporting company	☐
Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

The registrant had outstanding 75,863,334 shares of common stock as of February 02, 2026.

WAFD, INC. AND SUBSIDIARIES

PART I

Item 1.

Financial Statements (Unaudited)

The Consolidated Financial Statements of WaFd, Inc. and Subsidiaries filed as a part of the report are as follows:

Consolidated Statements of Financial Condition as of December 31, 2025 and September 30, 2025

Consolidated Statements of Operations for the three months ended December 31 , 2025 and December 31 , 2024

Consolidated Statements of Comprehensive Income for the three months ended December 31 , 2025 and December 31 , 2024

Consolidated Statements of Shareholders' Equity for the three months ended December 31, 2025 and December 31 , 2024

Consolidated Statements of Cash Flows for the three months ended December 31 , 2025 and December 31 , 2024

Notes to Interim Consolidated Financial Statements

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

Item 4.

Controls and Procedures

Unregistered Sales of Equity Securities and Use of Proceeds

Item 3.

Defaults Upon Senior Securities

Item 4.

Mine Safety Disclosures

PART I – Financial Information

Item 1. Financial Statements

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(UNAUDITED)


	December 31, 2025		September 30, 2025
	(In thousands, except share data)
ASSETS
Cash and cash equivalents	$	734,915	$	657,310
Available-for-sale securities, at fair value	4,142,285		3,533,201
Held-to-maturity securities, at amortized cost	764,794		645,802
Loans receivable, net of allowance for loan losses of $199,539 and $199,720	19,848,156		20,088,618
Interest receivable	97,650		98,589
Premises and equipment, net	270,552		261,271
Real estate owned	8,738		11,084
FHLB stock	118,218		88,068
Bank owned life insurance	277,121		275,159
Intangible assets, including goodwill of $416,247 and $414,722	443,085		442,093
Federal and state income tax assets	102,377		112,784
Other assets	477,853		485,720
	$	27,285,744	$	26,699,699
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Customer accounts
Transaction deposit accounts	$	12,865,974	$	12,306,532
Time deposit accounts	8,550,996		9,131,104
	21,416,970		21,437,636
Borrowings	2,436,532		1,765,604
Junior subordinated debentures	51,879		51,645
Advance payments by borrowers for taxes and insurance	20,688		59,845
Federal and state income tax liabilities	5,124		—
Accrued expenses and other liabilities	325,144		345,394
	24,256,337		23,660,124
Commitments and contingencies (see Note I)
Shareholders’ equity
Preferred stock, $1.00 par value, 5,000,000 shares authorized; 300,000 and 300,000 shares issued; 300,000 and 300,000 shares outstanding	300,000		300,000
Common stock, $1.00 par value, 300,000,000 shares authorized; 154,616,464 and 154,408,001 shares issued; 76,448,351 and 78,186,520 shares outstanding	154,616		154,408
Additional paid-in capital	2,165,709		2,163,276
Accumulated other comprehensive income (loss), net of taxes	61,904		56,950
Treasury stock, at cost; 78,168,113 and 76,221,481 shares	(1,798,702)		(1,740,761)
Retained earnings	2,145,880		2,105,702
	3,029,407		3,039,575
	$	27,285,744	$	26,699,699

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)


	Three Months Ended December 31,
	2025		2024
	(In thousands, except share data)
INTEREST INCOME
Loans receivable	$	264,207	$	286,597
Mortgage-backed securities	38,902		18,337
Investment securities and cash equivalents	19,387		40,183
	322,496		345,117
INTEREST EXPENSE
Customer accounts	136,214		162,150
Borrowings and junior subordinated debentures	15,171		27,536
	151,385		189,686
Net interest income	171,111		155,431
Provision for credit losses	3,500		—
Net interest income after provision	167,611		155,431

NON-INTEREST INCOME
Gain on sale of investment securities	—		20
Gain on termination of hedging derivatives	24		5

Loan fee income	1,354		1,345
Deposit fee income	7,858		7,046
Other income	11,019		7,286
Total non-interest income	20,255		15,702

NON-INTEREST EXPENSE
Compensation and benefits	54,190		59,927
Occupancy	11,170		10,788
FDIC insurance premiums	5,400		4,850
Product delivery	6,574		5,785
Information technology	14,384		14,192
Other expense	14,003		15,769
Total non-interest expense	105,721		111,311
Gain (loss) on real estate owned, net	156		429
Income before income taxes	82,301		60,251
Income tax expense	18,105		12,984
Net income	64,196		47,267
Dividends on preferred stock	3,656		3,656
Net income available to common shareholders	$	60,540	$	43,611

PER SHARE DATA
Basic earnings per common share	$	0.79	$	0.54
Diluted earnings per common share	0.79		0.54
Dividends paid on common stock per share	0.27		0.26
Basic weighted average shares outstanding	76,969,729		81,294,227
Diluted weighted average shares outstanding	77,015,554		81,401,599

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(UNAUDITED)


	Three Months Ended December 31,
	2025		2024
	(In thousands)
Net income	$	64,196	$	47,267
Other comprehensive income (loss) net of tax:
Net unrealized gain (loss) during the period on available-for-sale investment securities, net of tax of $(2,342) and $5,793	7,582		(18,754)
Reclassification adjustment of net (gain) loss from sale of available-for-sale securities included in net income, net of tax of $5 and $76	(15)		(246)
Net unrealized gain (loss) from investment securities, net of reclassification adjustment	7,567		(19,000)

Net unrealized gain (loss) during the period on borrowings cash flow hedges, net of tax of $1,301 and $(5,101)	(4,213)		16,498
Reclassification adjustment of net (gain) loss included in net income during the period from hedging derivatives, net of tax of $(494) and $(1)	1,600		4
Net unrealized gain (loss) in cash flow hedging instruments, net of reclassification adjustment	(2,613)		16,502

Other comprehensive income (loss)	4,954		(2,498)
Comprehensive income	$	69,150	$	44,769

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

(UNAUDITED)


(in thousands)	Preferred Stock		Common Stock		Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Treasury Stock		Total
Balance at October 1, 2025	$	300,000	$	154,408	$	2,163,276	$	2,105,702	$	56,950	$	(1,740,761)	$	3,039,575

Net income	—		—		—		64,196		—		—		64,196
Other comprehensive loss	—		—		—		—		4,954		—		4,954

Dividends on common stock ($0.27 per share)	—		—		—		(20,362)		—		—		(20,362)
Dividends on preferred stock ($12.1875 per share)	—		—		—		(3,656)		—		—		(3,656)
Proceeds from stock issuances	—		24		648		—		—		—		672

Stock-based compensation expense	—		184		1,785		—		—		76		2,045

Treasury stock purchased	—		—		—		—		—		(58,017)		(58,017)
Balance at December 31, 2025	$	300,000	$	154,616	$	2,165,709	$	2,145,880	$	61,904	$	(1,798,702)	$	3,029,407

(in thousands)	Preferred Stock		Common Stock		Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Treasury Stock		Total
Balance at October 1, 2024	$	300,000	$	154,007	$	2,150,675	$	1,978,898	$	55,851	$	(1,639,131)	$	3,000,300

Net income	—		—		—		47,267		—		—		47,267
Other comprehensive income	—		—		—		—		(2,498)		—		(2,498)
Dividends on common stock ($0.26 per share)	—		—		—		(20,923)		—		—		(20,923)
Dividends on preferred stock ($12.1875 per share)	—		—		—		(3,656)		—		—		(3,656)

Proceeds from stock issuances	—		89		2,616		—		—		—		2,705

Stock-based compensation expense	—		152		1,638		—		—		61		1,851

Treasury stock purchased	—		—		—		—		—		(3,410)		(3,410)
Balance at December 31, 2024	$	300,000	$	154,248	$	2,154,929	$	2,001,586	$	53,353	$	(1,642,480)	$	3,021,636

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(UNAUDITED)


	Three Months Ended December 31,
	2025		2024
	(In thousands)
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	64,196	$	47,267
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, accretion and other, net	(1,561)		44,350

Stock-based compensation expense	2,045		1,851
Provision (release) for credit losses	3,500		—
Loss (gain) on sale of investment securities	—		(20)

Net realized (gain) loss on sales of premises, equipment, and real estate owned	(3,825)		(433)
Impairment loss on premises and equipment	—		34


Decrease (increase) in accrued interest receivable	939		(320)

Decrease (increase) in federal and state income tax receivable	8,877		8,189
Decrease (increase) in cash surrender value of bank owned life insurance	(1,962)		(1,840)
Decrease (increase) in other assets	8,127		(25,136)
Increase (decrease) in federal and state income tax liabilities	5,124		—
Increase (decrease) in accrued expenses and other liabilities	(24,980)		(24,512)
Net cash provided by (used in) operating activities	60,480		49,430
CASH FLOWS FROM INVESTING ACTIVITIES
Origination of loans and principal repayments, net	253,315		(46,171)
Loans purchased	(10,198)		(133,641)
FHLB stock purchased	(177,116)		(97,944)
FHLB stock redeemed	146,966		65,166
Available-for-sale securities purchased	(724,749)		(310,999)
Principal payments and maturities of available-for-sale securities	128,421		114,882
Proceeds from sales of available-for-sale securities	—		797
Held-to-maturity securities purchased	(141,283)		(114,182)
Principal payments and maturities of held-to-maturity securities	22,428		13,786

Proceeds from sales of real estate owned	2,963		1,846


Equity method investments purchased	—		(3,000)

Net cash received (paid) in business combinations	(2,000)		(360)

Proceeds from sales of premises and equipment	6		1,689
Premises and equipment purchased and REO improvements	(10,441)		(6,446)
Net cash provided by (used in) investing activities	(511,688)		(514,577)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in customer accounts	(20,666)		64,807
Proceeds from borrowings	3,875,750		2,168,400
Repayments of borrowings	(3,205,751)		(2,575,001)

Proceeds from stock-based awards	488		2,510

Dividends paid on common stock	(20,362)		(20,923)
Dividends paid on preferred stock	(3,656)		(3,656)
Proceeds from employee stock purchases	184		195
Treasury stock purchased	(58,017)		(3,410)
Increase (decrease) in advances payments by borrowers for taxes and insurance	(39,157)		(41,142)
Net cash provided by (used in) financing activities	528,813		(408,220)
Increase (decrease) in cash and cash equivalents	77,605		(873,367)
Cash, cash equivalents and restricted cash at beginning of period	657,310		2,381,102
Cash, cash equivalents and restricted cash at end of period	$	734,915	$	1,507,735

(CONTINUED)

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(UNAUDITED)


	Three Months Ended December 31,
	2025		2024
	(In thousands)
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Non-cash investing activities
Real estate acquired through foreclosure	$	7	$	—

Non-cash financing activities
Preferred stock dividend payable	3,656		3,656
Cash paid (received) during the period for
Interest	116,362		228,660
Income tax	125		200

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

Table of Contents

WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

NOTE A – Summary of Significant Accounting Policies

Company and Nature of Operations - WaFd Bank, a federally-insured Washington state chartered commercial bank (the “Bank”), was founded on April 24, 1917 in Ballard, Washington and is engaged primarily in providing lending, depository, insurance and other banking services to consumers, small, mid-sized and large businesses, and owners and developers of commercial real estate. The business of the Bank consists primarily of accepting deposits from the general public and investing these funds in loans of various types, including construction loans, land acquisition and development loans, loans on multi-family, commercial real estate and other income producing properties, and business loans, including U.S. Small Business Administration (“SBA”) loans. In January 2025, the Bank announced it will no longer originate consumer single family home loans and home equity lines of credit. Our existing consumer home loans still make up a significant portion of our loan portfolio. The Bank also invests in certain United States government and agency obligations and other investments permitted by applicable laws and regulations.

Effective September 25, 2025, the Bank formally changed its name from Washington Federal Bank to WaFd Bank by filing its Second Amended and Restated Articles of Incorporation with the Washington Secretary of State. WaFd, Inc., a Washington corporation, was formed as the Bank’s holding company in November, 1994.

On September 27, 2023, Articles of Amendment were filed with the Washington Secretary of State to change the name of Washington Federal, Inc. to WaFd, Inc. This change was effective on September 29, 2023. As used throughout this document, the terms “WaFd” or the “Company” or “we” or “us” and “our” refer to WaFd, Inc. and its consolidated subsidiaries, and the term “Bank” refers to the operating subsidiary, WaFd Bank.

The Company is headquartered in Seattle, Washington. The Bank conducts its activities through a network of 208 bank branches located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, New Mexico, California and Texas.

Basis of Presentation - The Company has prepared the consolidated unaudited interim financial statements included in this report. All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation are reflected in the interim financial statements.

The information included in this Form 10-Q should be read in conjunction with the financial statements and related notes contained in the Company's Annual Report on Form 10-K for the fiscal year ended September 30, 2025 filed with the Securities and Exchange Commission ("SEC") on November 18, 2025 ("2025 Annual Financial Statements"). Interim results are not necessarily indicative of results for a full year.

Summary of Significant Accounting Policies - The significant accounting policies used in preparation of the Company's consolidated financial statements are disclosed in its 2025 Annual Financial Statements. There have not been any significant changes in the Company's significant accounting policies compared to those contained in its 2025 Annual Financial Statements.

Business Combinations - The Company applies the acquisition method of accounting for business combinations. Under the acquisition method, the acquiring entity recognizes the assets acquired and liabilities assumed at their acquisition date fair values. Management utilizes prevailing valuation techniques appropriate for the asset or liability being measured in determining these fair values. This method often involves estimates based on third party valuations based on discounted cash flow analyses or other valuation techniques, all of which are inherently subjective. Any excess of the purchase price over the fair value of net assets and other identifiable intangible assets acquired is recorded as goodwill. Assets acquired and liabilities assumed from contingencies must also be recognized at fair value if the fair value can be determined during the measurement period. Acquisition-related costs, including conversion and restructuring charges, are expensed as incurred. Fair values are subject to refinement over the measurement period, not to exceed one year after the closing date.

Restricted Cash Balances - The Company was not required to maintain cash reserve balances with the Federal Reserve Bank as of December 31, 2025. As of December 31, 2025 and September 30, 2025, the Company held counterparty cash collateral of $109,750,000 and $118,400,000, respectively, related to derivative contracts.

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WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

Equity Securities - The Company records equity securities within Other assets in its Consolidated Statements of Financial Condition. These equity investments are accounted for under different methods.

•Low-income housing tax credit ("LIHTC") investments are accounted for under the proportional amortization method. Under this method, the initial book value (gross commitment amount) of the investment is amortized over time in proportion to the projected tax benefits to be received. This amortization is a component of income tax expense. See Note I for more information about the Company's LIHTC investments.

•For equity investments where the Company has significant influence, the Company applies the equity method of accounting, which adjusts the carrying value of the investment to recognize a proportionate share of the financial results of the investment entity, regardless of whether any distribution is made. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations.

•For certain nonmarketable equity investments where the equity method of accounting is not applicable, the Company applies the fair value method. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations. Fair value is determined by reference to readily determinable market values, if applicable. As these investments do not have readily determinable fair values, they are generally accounted for at cost minus impairment, if any, plus or minus changes resulting from observable transactions involving the same or similar investments from the same issuer. This practice is referred to as the measurement alternative.

•Equity investments in qualified real estate funds can use the net asset value ("NAV") expedient for fair value measurement. Under this method, the NAV is determined by the fund as fair value for the investment. At December 31, 2025, equity investments held by the Company and recorded at NAV had a carrying amount of $36,477,638 and a remaining unfunded commitment of $11,585,741. These NAV based investments cannot be transferred without consent and we do not have redemption rights. Equity investments measured at NAV are not classified in the fair value hierarchy.

Allowance for Credit Losses (Loans Receivable) - The Company maintains an allowance for credit losses (“ACL”) for the expected credit losses of the loan portfolio as well as unfunded loan commitments. The amount of ACL is based on ongoing, quarterly assessments by management. The current expected credit loss methodology (“CECL”) requires an estimate of the credit losses expected over the life of an exposure (or pool of exposures).

The ACL consists of the allowance for loan losses and the reserve for unfunded commitments. The estimate of expected credit losses under the CECL methodology is based on relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amounts. Historical loss experience is generally the starting point for estimating expected credit losses. We then consider whether the historical loss experience should be adjusted for asset-specific risk characteristics or current conditions at the reporting date that did not exist over the period that historical experience was based for each loan type. Finally, we consider forecasts about future economic conditions or changes in collateral values that are reasonable and supportable.

Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its ACL. The Company has designated two loan portfolio segments, commercial loans and consumer loans. These loan portfolio segments are further disaggregated into classes, which represent loans of similar type, risk characteristics, and methods for monitoring and assessing credit risk. The commercial loan portfolio segment is disaggregated into five classes: multi-family, commercial real estate, commercial and industrial, construction, and land acquisition and development. The risk of loss for the commercial loan portfolio segment is generally most indicated by the credit risk rating assigned to each borrower. Commercial loan risk ratings are determined by experienced senior credit officers based on specific facts and circumstances and are subject to periodic review by an independent internal team of credit specialists. The consumer loan portfolio segment is disaggregated into five classes: single-family-residential mortgage, custom construction, consumer lot loans, home equity lines of credit, and other consumer. The risk of loss for the consumer loan portfolio segment is generally most indicated by delinquency status and general economic factors. Each commercial and consumer loan portfolio class may also be further segmented based on risk characteristics.

For most loan portfolio classes, the historical loss experience is determined using a cohort methodology. This method pools loans into groups (“cohorts”) sharing similar risk characteristics and tracks each cohort’s net charge-offs over the lives of the loans to calculate a historical loss rate. The historical loss rates for each cohort are then averaged to calculate an overall historical loss rate which is applied to the current loan balance to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class. For certain loan portfolio classes, the Company determined there was not sufficient historical loss information to calculate a meaningful historical loss rate using the cohort methodology. For any such

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WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

loan portfolio class, the weighted-average remaining maturity (“WARM”) methodology is being utilized until sufficient historical loss data is obtained. The WARM method multiplies an average annual loss rate by the expected remaining life of the loan pool to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class.

The Company also considers qualitative adjustments to the historical loss rate for each loan portfolio class. The qualitative adjustments for each loan class consider the conditions over the period from which historical loss experience was based and are split into two components: 1) asset or class specific risk characteristics or current conditions at the reporting date related to portfolio credit quality, remaining payments, volume and nature, credit culture and management, business environment or other management factors and 2) reasonable and supportable forecast of future economic conditions and collateral values.

The Company performs a quarterly asset quality review which includes a review of forecasted gross charge-offs and recoveries, nonperforming assets, criticized loans, risk rating migration, delinquencies, etc. The asset quality review is performed by management and the results are used to consider a qualitative overlay to the quantitative baseline. The second qualitative adjustment noted above, economic conditions and collateral values, encompasses a one-year reasonable and supportable forecast period. The overlay adjustment for the reasonable and supportable forecast assumes an immediate reversion after the one-year forecast period to historical loss rates for the remaining life of the respective loan pool.

The Company may establish a specific reserve for individually evaluated loans that do not share similar risk characteristics with the loans included in each respective loan pool if management deems it appropriate. If this occurs, these individually evaluated loans are removed from their respective pools. These loans typically represent collateral dependent loans but may also include other non-performing loans.

Allowance for Credit Losses (Held-to-Maturity Debt Securities) - For held-to-maturity (“HTM”) debt securities, the Company is required to utilize a CECL methodology to estimate expected credit losses. Substantially all of the Company’s HTM debt securities are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government and have a long history of zero credit loss. See Note F "Fair Value Measurements" for more information about HTM debt securities.

Allowance for Credit Losses (Available-for-Sale Debt Securities) - The impairment model for available-for-sale (“AFS”) debt securities differs from the CECL methodology applied for HTM debt securities because AFS debt securities are measured at fair value rather than amortized cost. For AFS debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either criteria is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities where neither of the criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the credit rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited to the amount that the fair value is less than the amortized cost basis. Any remaining discount that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as a provision for (or recapture of) credit losses. Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. See Note F "Fair Value Measurements" for more information about AFS debt securities.

Accrued Interest Receivable - The Company made the following elections regarding accrued interest receivable (“AIR”):

•Presenting accrued interest receivable balances separately from their underlying instruments within the consolidated statements of financial condition.

•Excluding accrued interest receivable that is included in the amortized cost of financing receivables from related disclosure requirements.

•Continuing the Company's policy to write off accrued interest receivable by reversing interest income in cases where the Company does not reasonably expect to receive payment.

•Not measuring an allowance for credit losses for accrued interest receivable due to the Company’s policy of writing off uncollectible accrued interest receivable balances in a timely manner, as described above.

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WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

Non-Accrual Loans - Loans are placed on non-accrual status when, in the judgment of management, the probability of collection of interest is deemed to be insufficient to warrant further accrual. When a loan is placed on non-accrual status, previously accrued but unpaid interest is deducted from interest income. The Bank does not accrue interest on loans 90 days or more past due. If payment is made on a loan so that the loan becomes less than 90 days past due, and the Bank expects full collection of principal and interest, the loan is returned to full accrual status. Any interest ultimately collected is credited to income in the period of recovery. A loan is charged-off when the loss is estimable and it is confirmed that the borrower is not expected to be able to meet contractual obligations.

If a consumer loan is on non-accrual status before being modified, it will stay on non-accrual status following restructuring until it has been performing for at least six months, at which point it may be moved to accrual status. For commercial loans, six consecutive payments on newly restructured loan terms are required prior to returning the loan to accrual status. In some instances, after the required six consecutive payments are made, management will conclude that collection of the entire principal and interest due is still in doubt. In those instances, the loan will remain on non-accrual status.

Collateral-Dependent Loans - A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. For all classes of loans and leases deemed collateral-dependent, the Company elected the practical expedient to estimate expected credit losses based on the collateral’s fair value less cost to sell. In most cases, the Company records a partial charge-off to reduce the loan’s carrying value to the collateral’s fair value less cost to sell. Substantially all of the collateral consists of various types of real estate including residential properties; commercial properties such as retail centers, office buildings, and lodging; agriculture land; and vacant land.

Off-Balance-Sheet Credit Exposures - Off-balance-sheet credit exposures for the Company include unfunded loan commitments and letters of credit from the Federal Home Loan Banks of both Des Moines and San Francisco ("FHLB-DM" and "FHLB-SF", respectively), which may be used as collateral for public funds deposits and as confirming letters of credit on letters of credit issued by the Bank. The reserve for unfunded commitments is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized through provision for credit losses in the consolidated statements of income. The reserve for unfunded commitments represents the expected lifetime credit losses on off-balance sheet obligations such as commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments that are unconditionally cancellable by the Company. The reserve for unfunded commitments is determined by estimating future draws, including the effects of risk mitigation actions, and applying the expected loss rates on those draws. Loss rates are estimated by utilizing the same loss rates calculated for the allowance for credit losses related to the respective loan portfolio class. See Note I “Commitments and Contingencies” for more information.

Intangible Assets - Goodwill represents the excess of the cost of businesses acquired over the fair value of the net assets acquired. Other intangibles, including core deposit intangibles, are acquired assets that lack physical substance but can be distinguished from goodwill. Goodwill is not amortized but is evaluated for potential impairment on an annual basis and between tests if there are applicable circumstances such as material adverse changes in legal, business, regulatory and economic factors. We have determined our goodwill balance is all related to a single reporting unit and perform a quantitative impairment assessment. An impairment loss is recorded when the carrying amount of goodwill exceeds its implied fair value. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. Other intangible assets are amortized over their estimated lives and are subject to impairment testing when events or circumstances change.

The Company performs a goodwill impairment assessment annually and continuously monitors for triggering events and circumstances that could negatively impact the key assumptions in determining the fair value of goodwill.

Apart from the impacts of larger transactions, the Company might experience minor increases in intangibles due to acquisitions carried out by its subsidiary, WAFD Insurance Group, Inc.

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The table below provides detail regarding the Company's intangible assets.


	Goodwill		Core Deposit and Other Intangibles		Total
	(In thousands)
Balance at September 30, 2025	$	414,722	$	27,371	$	442,093
Additions	1,525		1,525		3,050
Amortization	—		(2,058)		(2,058)
Balance at December 31, 2025	$	416,247	$	26,838	$	443,085

The table below presents the estimated future amortization expense of other intangibles for the next five years as of December 31, 2025.


Fiscal Year	Expected Expense
	(In thousands)
2026	$	5,389
2027	5,709
2028	5,347
2029	5,254
2030	2,470
Thereafter	2,669
Total Intangible Assets	$	26,838

Subsequent Events - The Company has evaluated events and transactions through the date the consolidated financial statements were issued for potential recognition or disclosure and determined that there have been no events or transactions that have occurred that would require disclosure.

NOTE B – New Accounting Pronouncements

In October 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2023-06 Disclosure Improvements: Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative to clarify or improve disclosure and presentation requirements on a variety of topics and align the requirements in the FASB accounting standard codification with the Securities and Exchange Commission regulations. The amendments will be effective for the Company only if the SEC removes the related disclosure requirement from its existing regulations no later than June 30, 2027. If the SEC timely removes such a related requirement from its existing regulations, the corresponding amendments within the ASU will become effective for the Company on the same date with early adoption permitted. The Company does not expect the amendments in this update to have a material impact on our consolidated financial statements.

In November 2024, the FASB issued ASU 2024-03, Disaggregation of Income Statement Expenses. This accounting standards update will require public companies to disclose, in the notes to financial statements, specified information about certain costs and expenses at each interim and annual reporting period. As clarified by the FASB in ASU 2025-01, the amendments of ASU 2024-03 are effective for fiscal years beginning after December 15, 2026, and for quarterly reporting beginning after December 15, 2027. Early adoption is permitted. The Company does not expect this ASU to have a material effect on our consolidated financial statements.

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(UNAUDITED)

NOTE C – Dividends and Share Repurchases

On December 5, 2025, the Company paid a regular dividend on its common stock of $0.27 per share, which represented the 171st consecutive quarterly cash dividend. Dividends per share were $0.27 and $0.26 for the quarters ended December 31, 2025 and 2024, respectively.

For the three months ended December 31, 2025, the Company repurchased 1,950,013 shares of its common stock at an average per share price of $29.75. Purchases were made both under the Company's Board of Directors (“Board”) approved publicly announced stock repurchase program, and outside the repurchase program, primarily consisting of the forfeiture and cancellation of shares upon vesting of restricted stock awards to pay required tax withholding obligations, and shares underlying stock options surrendered in payment of the exercise price and to pay required tax withholding obligations. As of December 31, 2025, there are 6,256,136 remaining shares authorized to be repurchased under the current Board approved stock repurchase program.

The Company pays a cash dividend, if declared by the Board, of $12.1875 per share on its Series A Preferred Stock quarterly on January 15, April 15, July 15 and October 15. This dividend equals $0.30468750 per depositary share (each dividend, a "Series A Preferred Dividend").

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(UNAUDITED)

NOTE D – Loans Receivable

For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A "Summary of Significant Accounting Policies" above.

The Company's loans held for investment are divided into two portfolio segments, commercial loans and consumer loans, with each of those segments further split into loan classes for purposes of estimating the allowance for credit losses.

The following table is a summary of loans receivable by loan portfolio segment and class.


	December 31, 2025				September 30, 2025
Gross loans by category	(In thousands)				(In thousands)
Commercial loans
Multi-family	$	4,698,342	22.4	%	$	4,718,480	22.2	%
Commercial real estate	3,561,865		16.9		3,604,600		16.9
Commercial & industrial	2,530,666		12.0		2,392,685		11.3
Construction	1,742,158		8.3		1,756,890		8.3
Land - acquisition & development	177,768		0.8		179,099		0.8
Total commercial loans	12,710,799		60.4		12,651,754		59.5
Consumer loans
Single-family residential	7,823,718		37.2		8,053,771		37.8
Construction - custom	105,576		0.5		150,237		0.7
Land - consumer lot loans	83,046		0.4		89,298		0.4
HELOC	261,240		1.2		267,871		1.3
Consumer	52,701		0.3		61,461		0.3
Total consumer loans	8,326,281		39.6		8,622,638		40.5
Total gross loans	21,037,080		100	%	21,274,392		100	%
Less:
Allowance for credit losses on loans	199,539				199,720
Loans in process	783,233				773,606
Net deferred fees, costs and discounts	206,152				212,448
Total loan contra accounts	1,188,924				1,185,774
Net loans	$	19,848,156			$	20,088,618

The Company elected to exclude accrued interest receivable from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of December 31, 2025 and September 30, 2025, AIR for loans totaled $80,736,000 and $85,444,000, respectively, and is included in the Interest receivable line item balance on the Company’s consolidated statements of financial condition.

As of December 31, 2025, loans in the amount of $13,699,000,000 were pledged to secure borrowings and available lines of credit. None of the agencies to which we have pledged loans have the right to sell or re-pledge them.

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(UNAUDITED)

The following table sets forth the amortized cost basis of non-accrual loans and loans 90 days or more past due and accruing.


	December 31, 2025							September 30, 2025
	(In thousands, except ratio data)
	Non-accrual			Non-accrual with no ACL		90 days or more past due and accruing		Non-accrual			Non-accrual with no ACL		90 days or more past due and accruing
Commercial loans
Multi-family	$	31,710		$	—	$	—	$	19,121		$	—	$	—
Commercial real estate	68,501			—		—		69,972			—		—
Commercial & industrial	58,180			—		—		11,047			—		—
Construction	3,400			—		—		3,400			—		—
Land - acquisition & development	—			—		—		—			—		—
Total commercial loans	161,791			—		—		103,540			—		—
Consumer loans
Single-family residential	26,579			—		—		23,741			—		—
Construction - custom	2,054			—		—		760			—		—
Land - consumer lot loans	270			—		—		23			—		—
HELOC	481			—		—		412			—		—
Consumer	173			—		—		152			—		—
Total consumer loans	29,557			—		—		25,088			—		—
Total non-accrual loans	$	191,348		$	—	$	—	$	128,628		$	—	$	—
% of total loans	0.95		%					0.63		%

The Company recognized interest income on non-accrual loans of approximately $540,000 in the three months ended December 31, 2025 as a result of the collection of past due amounts. If these loans had been on accrual status and performed according to their original contract terms, the Company would have recognized interest income of approximately $2,124,000 for the three months ended December 31, 2025. Interest cash flows collected on non-accrual loans vary from period to period as those loans are brought current or are paid off.

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NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

The following tables provide details regarding loan delinquencies by loan portfolio and class.


December 31, 2025			Days Delinquent Based on $ Amount of Loans										% based on $
Type of Loan	Loans Receivable (Amortized Cost)		Current		30		60		90+		Total Delinquent
	(In thousands, except ratio data)
Commercial Loans
Multi-family	$	4,617,085	$	4,579,476	$	9,171	$	7,685	$	20,753	$	37,609	0.81	%
Commercial real estate	3,547,626		3,480,995		86		372		66,173		66,631		1.88
Commercial & industrial	2,524,486		2,463,687		6,148		2,684		51,967		60,799		2.41
Construction	1,043,910		1,040,237		273		—		3,400		3,673		0.35
Land - acquisition & development	146,548		146,548		—		—		—		—		—
Total commercial loans	11,879,655		11,710,943		15,678		10,741		142,293		168,712		1.42
Consumer Loans
Single-family residential	7,709,942		7,669,230		10,631		4,892		25,189		40,712		0.53
Construction - custom	58,371		56,316		—		—		2,055		2,055		3.52
Land - consumer lot loans	82,490		82,075		89		56		270		415		0.50
HELOC	264,462		262,372		1,463		189		438		2,090		0.79
Consumer	52,775		52,369		156		71		179		406		0.77
Total consumer loans	8,168,040		8,122,362		12,339		5,208		28,131		45,678		0.56
Total Loans	$	20,047,695	$	19,833,305	$	28,017	$	15,949	$	170,424	$	214,390	1.07	%
Delinquency %			98.93%		0.14%		0.07%		0.86%		1.07%


September 30, 2025			Days Delinquent Based on $ Amount of Loans										% based on $
Type of Loan	Loans Receivable (Amortized Cost)		Current		30		60		90+		Total Delinquent
	(In thousands, except ratio data)
Commercial Loans
Multi-family	$	4,631,321	$	4,610,677	$	—	$	12,482	$	8,162	$	20,644	0.45	%
Commercial real estate	3,588,950		3,537,909		87		912		50,042		51,041		1.42
Commercial & industrial	2,386,363		2,385,178		52		1,088		45		1,185		0.05
Construction	1,105,101		1,105,101		—		—		—		—		—
Land - acquisition & development	139,922		139,922		—		—		—		—		—
Total commercial loans	11,851,657		11,778,787		139		14,482		58,249		72,870		0.61
Consumer Loans
Single-family residential	7,936,931		7,890,843		16,639		6,176		23,273		46,088		0.58
Construction - custom	78,243		77,483		—		—		760		760		0.97
Land - consumer lot loans	88,696		88,364		249		60		23		332		0.37
HELOC	271,286		269,104		1,432		384		366		2,182		0.80
Consumer	61,525		61,172		99		102		152		353		0.57
Total consumer loans	8,436,681		8,386,966		18,419		6,722		24,574		49,715		0.59
Total Loans	$	20,288,338	$	20,165,753	$	18,558	$	21,204	$	82,823	$	122,585	0.60	%
Delinquency %			99.40%		0.09%		0.10%		0.41%		0.60%

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NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

Loans are considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized basis of collateral-dependent loans by loan class and collateral type as of December 31, 2025.


Loan type	Residential Real Estate		Commercial Real Estate		General Business Assets
	($ in thousands)
Commercial loans
Multi-Family	$	—	$	36,488	$	—
Commercial Real Estate	—		69,461		—
Commercial & Industrial	—		—		56,871
Construction	—		3,400		—
Land - Acquisition & Development	—		—		—
Total commercial loans	—		109,349		56,871
Consumer loans
Single-Family Residential	3,185		—		—
Construction - Custom	2,054		—		—
Land - Consumer Lot Loans	16		—		—
HELOC	324		—		—
Consumer	—		—		—
Total consumer loans	5,579		—		—
Total Loans	$	5,579	$	109,349	$	56,871

Loans may be modified as the result of borrowers experiencing financial difficulty needing relief from the contractual terms of their loan. Most loan modifications to borrowers experiencing financial difficulty are accruing and performing loans where the borrower has approached the Company about modification due to temporary financial difficulties. Each request for modification is individually evaluated for merit and likelihood of success. Often a term extension is needed in the short term in order to evaluate the need for further corrective action. Payment delays and interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans.

For commercial loans, modifications could be any of the above-listed modification types available or a mix thereof. Modifications to extend the term, lower the payment amount or delay payment are made for the purposes of providing borrowers additional time to return to compliance with the terms of their loans. Renewals of commercial lines to borrowers experiencing financial difficulty are included within the disclosures below though many of these are made in the normal course of business.

For consumer loans, modifications typically consist of minor payment delays or deferrals and may include a modification of the existing contractual rate or extension of the maturity date, or both, when it is determined the borrowers are likely to successfully maintain compliance with these modified loan terms.

The following tables present the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the three month period ending December 31, 2025 by loan class and modification type. Modifications during the periods presented were term extensions or payment deferrals.

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(UNAUDITED)


	Three Months Ended December 31, 2025
Loan Class	Term Extension		Payment Deferral		% of Total Loan Class Balance		Wtd. Avg. Term Extension	Deferral Amount
	( in thousands)						(in months)	( in thousands)
Multi-family	$	—	$	—	—	%	0
Commercial real estate	31,616		—		0.89		9
Commercial & industrial	29,312		—		1.16		11
Construction	—		—		—		0
Total commercial loans	60,928		—		0.51		10
Single-Family Residential	—		1,040		0.01			$	21
Total consumer loans	—		1,040		0.01			$	21
Total Loans	$	60,928	$	1,040	0.31	%


	Three Months Ended December 31, 2024
Loan Class	Term Extension		Payment Deferral		% of Total Loan Class Balance		Wtd. Avg. Term Extension	Deferral Amount
	( in thousands)						(in months)

Commercial real estate	$	—	$	—	—		0
Commercial & industrial	9,396		—		0.39		14
Construction	—		—		—		0
Total commercial loans	9,396		—		0.08		14
Single-Family Residential	455		—		0.01	%	6
Total consumer loans	455		—		0.01		6
Total Loans	$	9,851	$	—	0.05	%

The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of modification efforts. Loans are considered to be in default at 90 or more days past due. The following table presents the performance of such loans that have been modified for the twelve months ended December 31, 2025 and December 31, 2024, respectively.


December 31, 2025			Days Delinquent
	Current		30		60		90+		Total
Commercial loans
Multi-family	$	21,235	$	—	$	—	$	—	$	21,235
Commercial real estate	46,616		—		—		17,560		64,176
Commercial & industrial	33,520		2,855		—		29,864		66,239
Construction	19,232		—		—		3,400		22,632
Total commercial loans	120,603		2,855		—		50,824		174,282

Consumer loans
Single-family residential	9,313		—		—		—		9,313
Total consumer loans	9,313		—		—		—		9,313
Total Loans	$	129,916	$	2,855	$	—	$	50,824	$	183,595

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(UNAUDITED)


December 31, 2024			Days Delinquent
	Current		30		60		90+		Total
Commercial loans

Commercial real estate	$	23,329	$	—	$	—	$	—	$	23,329
Commercial & industrial	49,542		—		—		992		50,534
Construction	19,232		—		—		—		19,232
Total commercial loans	92,103		—		—		992		93,095

Consumer loans
Single-family residential	776		557		—		—		1,333
Total consumer loans	776		557		—		—		1,333
Total Loans	$	92,879	$	557	$	—	$	992	$	94,428

Of those loans modified in the twelve months ended December 31, 2025 for borrowers experiencing financial difficulties, $29,864,000 of Commercial & Industrial loans, $17,560,000 of Commercial Real Estate loans and $3,400,000 of Construction loans experienced subsequent default during the three months ended December 31, 2025. These loans were provided term extensions prior to default. None of the other loans modified for borrowers experiencing financial difficulties in the twelve months ended December 31, 2024 experienced subsequent default after modification.

The Company evaluates the credit quality of its loans based on regulatory risk ratings and also considers other factors. Based on this evaluation, the loans are assigned a grade and classified as follows:

•Pass – the credit does not meet one of the definitions below.

•Watch – A watch designation is one that deserves a higher level of scrutiny and monitoring due to either an event that has occurred or is expected to occur in the near future that will likely lead to further change in risk rating (either favorably or unfavorably). Watch loans possess some credit deficiency or potential weakness that deserve close attention but which do not yet appear to jeopardize repayment. The key distinctions of a watch designation are that the credit is performing normally, but there is an uncertain level of risk due to such factors as (1) lack of or slow generation/receipt of financial information, (2) a documentation defect that could jeopardize repayment in the future, (3) construction delays or delays in lease up / stabilization, (4) declining market trends, (5) global cash flow deficiency of guarantors, or (6) management deficiencies/turnover. A loan designated as a “watch” is not considered criticized.

•Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset.

•Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard.

•Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans.

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(UNAUDITED)

•Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection.

The watch rating was implemented by the bank for fiscal 2026 on a prospective basis.

The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of December 31, 2025 and September 30, 2025.

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(UNAUDITED)


December 31, 2025	Term Loans Amortized Cost Basis by Origination Year
	YTD 2026		2025		2024		2023		2022		Prior to 2022		Revolving Loans		Revolving to Term Loans		Total Loans
Commercial loans
Multi-family
Pass	$	91,165	$	65,273	$	91,009	$	478,105	$	1,419,433	$	2,005,070	$	26,262	$	—	$	4,176,317
Watch	—		—		1,329		3,019		67,325		28,537		—		—		100,210
Special Mention	—		—		—		12,985		44,659		118,637		—		—		176,281
Substandard	—		2,193		—		9,167		61,276		88,285		1,002		—		161,923
Doubtful	—		—		—		—		—		2,354		—		—		2,354


Total	$	91,165	$	67,466	$	92,338	$	503,276	$	1,592,693	$	2,242,883	$	27,264	$	—	$	4,617,085


Commercial real estate
Pass	$	121,554	$	314,253	$	226,323	$	217,383	$	940,426	$	1,460,458	$	15,317	$	17,829	$	3,313,543
Watch	—		—		—		—		—		32,395		—		—		32,395
Special Mention	—		—		—		317		20,569		10,147		—		—		31,033
Substandard	—		—		—		15,487		10,341		144,827		—		—		170,655



Total	$	121,554	$	314,253	$	226,323	$	233,187	$	971,336	$	1,647,827	$	15,317	$	17,829	$	3,547,626


Commercial & industrial
Pass	$	185,767	$	244,233	$	63,130	$	113,168	$	153,742	$	439,402	$	1,054,290	$	324	$	2,254,056

Special Mention	—		266		—		—		2,572		—		57,583		—		60,421
Substandard	—		29,552		6,814		23,184		24,335		37,098		81,351		7,675		210,009



Total	$	185,767	$	274,051	$	69,944	$	136,352	$	180,649	$	476,500	$	1,193,224	$	7,999	$	2,524,486
Gross Charge-offs	—		34		—		—		—		—		109		4,053		4,196

Construction
Pass	$	16,169	$	229,059	$	167,244	$	170,594	$	240,288	$	40,933	$	109,521	$	—	$	973,808

Special Mention	—		—		—		—		61,318		—		—		—		61,318
Substandard	—		—		—		—		5,384		3,400		—		—		8,784



Total	$	16,169	$	229,059	$	167,244	$	170,594	$	306,990	$	44,333	$	109,521	$	—	$	1,043,910


Land - acquisition & development
Pass	$	11,737	$	53,456	$	17,075	$	10,622	$	18,563	$	34,852	$	—	$	—	$	146,305


Substandard	—		—		—		—		—		243		—		—		243



Total	$	11,737	$	53,456	$	17,075	$	10,622	$	18,563	$	35,095	$	—	$	—	$	146,548


Total commercial loans
Pass	$	426,392	$	906,274	$	564,781	$	989,872	$	2,772,452	$	3,980,715	$	1,205,390	$	18,153	$	10,864,029
Watch	—		—		1,329		3,019		67,325		60,932		—		—		132,605
Special Mention	—		266		—		13,302		129,118		128,784		57,583		—		329,053
Substandard	—		31,745		6,814		47,838		101,336		273,853		82,353		7,675		551,614
Doubtful	—		—		—		—		—		2,354		—		—		2,354


Total	$	426,392	$	938,285	$	572,924	$	1,054,031	$	3,070,231	$	4,446,638	$	1,345,326	$	25,828	$	11,879,655
Gross Charge-offs	$	—	$	34	$	—	$	—	$	—	$	—	$	109	$	4,053	$	4,196

Table of Contents

WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)


December 31, 2025	Term Loans Amortized Cost Basis by Origination Year
	YTD 2026		2025		2024		2023		2022		Prior to 2022		Revolving Loans		Revolving to Term Loans		Total Loans
Consumer loans
Single-family residential
Current	$	14,829	$	186,204	$	331,732	$	751,372	$	2,093,234	$	4,291,859	$	—	$	—	$	7,669,230
30 days past due	—		—		—		1,748		1,407		7,476		—		—		10,631
60 days past due	—		—		343		713		221		3,615		—		—		4,892
90+ days past due	—		339		1,374		813		3,538		19,125		—		—		25,189

Total	$	14,829	$	186,543	$	333,449	$	754,646	$	2,098,400	$	4,322,075	$	—	$	—	$	7,709,942
Gross Charge-offs	—		—		—		—		—		51		—		—		51

Construction - custom
Current	$	—	$	34,143	$	16,878	$	829	$	4,466	$	—	$	—	$	—	$	56,316


90+ days past due	—		—		—		1,295		760		—		—		—		2,055

Total	$	—	$	34,143	$	16,878	$	2,124	$	5,226	$	—	$	—	$	—	$	58,371


Land - consumer lot loans
Current	$	—	$	6,124	$	12,137	$	8,086	$	18,277	$	37,451	$	—	$	—	$	82,075
30 days past due	—		—		—		—		—		89		—		—		89
60 days past due	—		—		—		—		—		56		—		—		56
90+ days past due	—		—		—		60		—		210		—		—		270

Total	$	—	$	6,124	$	12,137	$	8,146	$	18,277	$	37,806	$	—	$	—	$	82,490


HELOC
Current	$	—	$	—	$	—	$	—	$	—	$	5,451	$	256,699	$	222	$	262,372
30 days past due	—		—		—		—		—		492		971		—		1,463
60 days past due	—		—		—		—		—		45		144		—		189
90+ days past due	—		—		—		—		—		—		438		—		438

Total	$	—	$	—	$	—	$	—	$	—	$	5,988	$	258,252	$	222	$	264,462


Consumer
Current	$	429	$	147	$	21	$	17	$	—	$	28,930	$	22,825	$	—	$	52,369
30 days past due	—		—		—		—		—		14		142		—		156
60 days past due	—		—		—		—		—		—		71		—		71
90+ days past due	—		—		—		—		—		30		143		6		179

Total	$	429	$	147	$	21	$	17	$	—	$	28,974	$	23,181	$	6	$	52,775
Gross Charge-offs	—		—		—		—		—		—		273		—		273

Total consumer loans
Current	$	15,258	$	226,618	$	360,768	$	760,304	$	2,115,977	$	4,363,691	$	279,524	$	222	$	8,122,362
30 days past due	—		—		—		1,748		1,407		8,071		1,113		—		12,339
60 days past due	—		—		343		713		221		3,716		215		—		5,208
90+ days past due	—		339		1,374		2,168		4,298		19,365		581		6		28,131

Total	$	15,258	$	226,957	$	362,485	$	764,933	$	2,121,903	$	4,394,843	$	281,433	$	228	$	8,168,040
Gross Charge-offs	$	—	$	—	$	—	$	—	$	—	$	51	$	273	$	—	$	324

Table of Contents

WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)


September 30, 2025	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior to 2021		Revolving Loans		Revolving to Term Loans		Total Loans
Commercial loans
Multi-family
Pass	$	51,779	$	91,285	$	431,401	$	1,521,149	$	1,154,189	$	1,066,496	$	21,048	$	—	$	4,337,347
Special Mention	—		—		8,225		44,350		13,686		70,556		—		—		136,817
Substandard	2,334		—		9,166		51,486		12,661		78,158		1,002		—		154,807
Doubtful	—		—		—		—		—		2,350		—		—		2,350


Total	$	54,113	$	91,285	$	448,792	$	1,616,985	$	1,180,536	$	1,217,560	$	22,050	$	—	$	4,631,321
Gross Charge-offs	182		—		—		—		271		102		—		—		555

Commercial real estate
Pass	$	311,687	$	226,269	$	231,132	$	997,347	$	550,234	$	987,607	$	33,688	$	1,098	$	3,339,062
Special Mention	—		—		—		27,900		21,928		11,752		—		—		61,580
Substandard	—		—		15,484		15,035		83,665		71,343		—		—		185,527
Doubtful	—		—		—		—		—		2,781		—		—		2,781


Total	$	311,687	$	226,269	$	246,616	$	1,040,282	$	655,827	$	1,073,483	$	33,688	$	1,098	$	3,588,950
Gross Charge-offs	—		—		—		163		—		9,489		—		—		9,652

Commercial & industrial
Pass	$	263,637	$	46,817	$	113,824	$	147,522	$	227,043	$	184,325	$	1,066,532	$	37,050	$	2,086,750
Special Mention	—		1,975		—		16,396		—		16,176		10,451		—		44,998
Substandard	35,490		3,042		21,527		24,733		1,725		32,281		130,613		5,180		254,591

Loss	—		—		10		—		—		3		—		11		24

Total	$	299,127	$	51,834	$	135,361	$	188,651	$	228,768	$	232,785	$	1,207,596	$	42,241	$	2,386,363
Gross Charge-offs	199		307		—		—		—		621		—		164		1,291

Construction
Pass	$	169,743	$	171,558	$	221,207	$	346,051	$	66,878	$	—	$	116,245	$	—	$	1,091,682
Special Mention	—		—		—		4,435		—		—		—		—		4,435
Substandard	—		204		—		5,380		3,400		—		—		—		8,984



Total	$	169,743	$	171,762	$	221,207	$	355,866	$	70,278	$	—	$	116,245	$	—	$	1,105,101


Land - acquisition & development
Pass	$	48,379	$	18,650	$	11,026	$	27,172	$	33,060	$	1,376	$	—	$	—	$	139,663

Substandard	—		—		—		—		—		259		—		—		259



Total	$	48,379	$	18,650	$	11,026	$	27,172	$	33,060	$	1,635	$	—	$	—	$	139,922


Total commercial loans
Pass	$	845,225	$	554,579	$	1,008,590	$	3,039,241	$	2,031,404	$	2,239,804	$	1,237,513	$	38,148	$	10,994,504
Special Mention	—		1,975		8,225		93,081		35,614		98,484		10,451		—		247,830
Substandard	37,824		3,246		46,177		96,634		101,451		182,041		131,615		5,180		604,168
Doubtful	—		—		—		—		—		5,131		—		—		5,131
Loss	—		—		10		—		—		3		—		11		24

Total	$	883,049	$	559,800	$	1,063,002	$	3,228,956	$	2,168,469	$	2,525,463	$	1,379,579	$	43,339	$	11,851,657
Gross Charge-offs	$	381	$	307	$	—	$	163	$	271	$	10,212	$	—	$	164	$	11,498

Table of Contents

WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)


September 30, 2025	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior to 2021		Revolving Loans		Revolving to Term Loans		Total Loans
Consumer loans
Single-family residential
Current	$	202,919	$	353,679	$	786,634	$	2,143,244	$	1,912,465	$	2,491,902	$	—	$	—	$	7,890,843
30 days past due	402		949		1,751		1,061		7,107		5,369		—		—		16,639
60 days past due	—		376		965		692		339		3,804		—		—		6,176
90+ days past due	—		998		813		3,711		4,414		13,337		—		—		23,273

Total	$	203,321	$	356,002	$	790,163	$	2,148,708	$	1,924,325	$	2,514,412	$	—	$	—	$	7,936,931
Gross Charge-offs	—		—		—		—		—		338		—		—		338

Construction - custom
Current	$	34,932	$	33,380	$	5,256	$	3,915	$	—	$	—	$	—	$	—	$	77,483


90+ days past due	—		—		—		760		—		—		—		—		760

Total	$	34,932	$	33,380	$	5,256	$	4,675	$	—	$	—	$	—	$	—	$	78,243


Land - consumer lot loans
Current	$	6,175	$	14,686	$	9,091	$	19,489	$	20,373	$	18,550	$	—	$	—	$	88,364
30 days past due	—		—		—		55		194		—		—		—		249
60 days past due	—		—		60		—		—		—		—		—		60
90+ days past due	—		—		—		—		—		23		—		—		23

Total	$	6,175	$	14,686	$	9,151	$	19,544	$	20,567	$	18,573	$	—	$	—	$	88,696


HELOC
Current	$	—	$	—	$	—	$	—	$	—	$	4,276	$	262,581	$	2,247	$	269,104
30 days past due	—		—		—		—		—		145		1,183		104		1,432
60 days past due	—		—		—		—		—		181		203		—		384
90+ days past due	—		—		—		—		—		—		366		—		366

Total	$	—	$	—	$	—	$	—	$	—	$	4,602	$	264,333	$	2,351	$	271,286


Consumer
Current	$	158	$	30	$	17	$	—	$	7,507	$	22,365	$	31,095	$	—	$	61,172
30 days past due	—		—		—		—		—		—		99		—		99
60 days past due	—		—		—		—		—		52		50		—		102
90+ days past due	—		—		—		—		—		44		108		—		152

Total	$	158	$	30	$	17	$	—	$	7,507	$	22,461	$	31,352	$	—	$	61,525
Gross Charge-offs	—		2		—		—		—		62		1,252		18		1,334

Total consumer loans
Current	$	244,184	$	401,775	$	800,998	$	2,166,648	$	1,940,345	$	2,537,093	$	293,676	$	2,247	$	8,386,966
30 days past due	402		949		1,751		1,116		7,301		5,514		1,282		104		18,419
60 days past due	—		376		1,025		692		339		4,037		253		—		6,722
90+ days past due	—		998		813		4,471		4,414		13,404		474		—		24,574

Total	$	244,586	$	404,098	$	804,587	$	2,172,927	$	1,952,399	$	2,560,048	$	295,685	$	2,351	$	8,436,681
Gross Charge-offs	$	—	$	2	$	—	$	—	$	—	$	400	$	1,252	$	18	$	1,672

Table of Contents

WAFD, INC. AND SUBSIDIARIES

NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

(UNAUDITED)

NOTE E – Allowance for Losses on Loans

The following tables summarize the activity in the allowance for loan losses by loan portfolio segment and class.


Three Months Ended December 31, 2025	Beginning Allowance		Charge-offs		Recoveries		Provision & Transfers		Ending Allowance
	(In thousands)
Commercial loans
Multi-family	$	25,953	$	—	$	—	$	(110)	$	25,843
Commercial real estate	41,988		—		648		(531)		42,105
Commercial & industrial	59,163		(4,196)		5		7,130		62,102
Construction	18,136		—		—		339		18,475
Land - acquisition & development	6,894		—		109		219		7,222
Total commercial loans	152,134		(4,196)		762		7,047		155,747
Consumer loans
Single-family residential	38,880		(51)		6		(2,988)		35,847
Construction - custom	610		—		2		(157)		455
Land - consumer lot loans	2,104		—		—		(147)		1,957
HELOC	3,069		—		—		(118)		2,951
Consumer	2,923		(273)		69		(137)		2,582
Total consumer loans	47,586		(324)		77		(3,547)		43,792
Total ACL - loans	$	199,720	$	(4,520)	$	839	$	3,500

WAFD INC 10-Q