Form 8-K

8-K — WAFD INC

Accession: 0000936528-26-000055

Filed: 2026-07-17

Period: 2026-07-16

CIK: 0000936528

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — wfsl-20260716.htm (Primary)

EX-99.1 (exhibit991_june2026earning.htm)

EX-99.2 (exhibit992_jun2026factsheet.htm)

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8-K

8-K (Primary)

Filename: wfsl-20260716.htm · Sequence: 1

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

____________________________________

FORM 8-K

____________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 16, 2026

____________________________________

WAFD, INC.

(Exact name of registrant as specified in its charter)

____________________________________

Washington

001-34654 91-1661606

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(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

Not Applicable

(Former name or former address, if changed since last report)

____________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of Each Class Trading Symbol 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

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 x

Item 2.02 Results of Operations and Financial Condition

On July 16, 2026, WaFd, Inc. (the "Company") announced by press release its earnings for the quarter ended June 30, 2026. A copy of the press release is attached to this filing as Exhibit 99.1. A copy of the June 30, 2026 Fact Sheet, which presents certain detailed financial information about the Company, is attached as Exhibit 99.2. This information is being furnished under Item 2.02 (Results of Operations and Financial Condition) of Form 8-K.

Item 9.01 Financial Statements and Exhibits

99.1

Press release dated July 16, 2026

99.2

Fact Sheet as of June 30, 2026

Important Cautionary Statements

The foregoing information should be read in conjunction with the financial statements, notes and other information contained in the Company’s Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.

This press release contains statements about the Company’s future that are not statements of historical or current fact. These statements are “forward-looking statements” for purposes of applicable securities laws and are based on current information and/or management's good faith belief as to future events. Words such as “expects,” “anticipates,” “believes,” “estimates,” “intends,” “forecasts,” “may,” “potential,” “projects,” and other similar expressions or future or conditional verbs such as “will,” “should,” “would,” and “could” are intended to help identify such forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Although the Company believes any such statements are based on reasonable assumptions, forward-looking statements should not be read as a guarantee of future performance, and you are cautioned not to place undue reliance on any forward-looking statements. The Company undertakes no obligation to update or revise any forward-looking statement.

which may impose restrictions or penalties on the Company's activities and changes in laws, regulations or government policies; (ix) expectations regarding key growth initiatives and strategic priorities; (x) our reliance on third party provided technology and developments related to artificial intelligence; (xi) global economic trends, including developments related to Ukraine and Russia, and the evolving conflict in the Middle East, and related negative financial impacts on our borrowers; (xii) litigation risks resulting in significant expenses, losses and reputational damage; (xiii) the impact of bank failures or adverse developments at other banks and related negative press about regional banks and the banking industry in general; and (xiv) other economic, competitive, governmental, environmental, regulatory, and technological factors affecting our operations, pricing, products and services.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

July 17, 2026 WAFD, INC.

By: /s/ KELLI J. HOLZ

Kelli J. Holz

Executive Vice President

and Chief Financial Officer

EX-99.1

Filename: exhibit991_june2026earning.htm · Sequence: 2

Document

Exhibit 99.1

Thursday, July 16, 2026

FOR IMMEDIATE RELEASE

WaFd Announces Quarterly Earnings Per Share Of $0.84

Q3 Highlights

$66 Million $0.84 0.96% 11.0%

Net Income Diluted Earnings per Common Share Return on Average Assets

Return on Tangible Common Equity1

WaFd delivered strong results in the third quarter of fiscal 2026, with healthy growth in earnings, loans, and equity. Earnings per share increased 15% year-over-year and 2% compared to the March quarter. While overall loans outstanding grew modestly for the quarter, net loans in our active loan portfolios grew at an annualized rate of 10.4%. Growth in net interest income, combined with disciplined expense management, drove our efficiency ratio to 53.7%, and we delivered an 11.0% return on tangible common equity for the quarter. We believe that the market is beginning to recognize WaFd's consistent earnings power — our stock price is up 19% from March 31, with 4.7 million shares repurchased in the first two quarter of the fiscal year. I want to thank our team of bankers for their continued dedication to delivering for our clients and shareholders."

Brent Beardall

President and CEO of WaFd Bank

Net Interest Income and NIM

■$181 million net interest income for the quarter compared to $178 million in Q2.

■Net interest margin at 2.81% for the quarter - same as Q2.

Credit Quality

■Non-performing assets at 0.49% of total assets compared to 0.48% for Q2.

■Delinquencies down to 0.75% of total loans compared to 0.78% for Q2.

Non-Interest Income and Expense

■Non-interest income up $4.4 million as a result of a gain on sale of a branch property.

■Non-interest expense stable compared to prior quarter.

■Efficiency ratio decreased to 53.69% compared to 55.66% in the prior quarter as a result of the increase in other income.

Shareholder Returns and Stock Activity

■On June 5, 2026, the Company paid a cash dividend of $0.27 per share, 173rd consecutive quarterly dividend paid.

■ROATCE1 of 11.0% compared to 10.8% at March 31 - a 2.1% increase over Q2.

1 Metric is a non-GAAP Financial Measure. See page 9 for additional information on our use of non-GAAP Financial Measures

SEATTLE, WASHINGTON – WaFd, Inc. (Nasdaq: WAFD) (the "Company"), parent company of WaFd Bank (or the "Bank"), today announced quarterly earnings of $66,130,000 for the quarter ended June 30, 2026, an increase of 1% from net earnings of $65,548,000 for the quarter ended March 31, 2026 and an increase of 7% from net earnings of $61,952,000 for the quarter ended June 30, 2025. After the effect of dividends on preferred stock, net income available for common shareholders was $0.84 per diluted share for the quarter ended June 30, 2026, compared to $0.82 per diluted share for the quarter ended March 31, 2026, and $0.73 per diluted share for the quarter ended June 30, 2025, an $0.11 or 15% increase in fully diluted earnings per common share.

Quarterly Earnings Release Q3 2026

WaFd Inc. Announces Third Quarter 2026 Results

The following table provides the Company's financial scorecard for the last five quarters:

As of

(In thousands, except share and ratio data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

BALANCE SHEET

Cash $ 676,467 $ 669,799 $ 734,915 $ 657,310 $ 809,252

Loans receivable, net 20,017,876 19,966,983 19,848,156 20,088,618 20,277,164

Allowance for credit losses ("ACL") 233,831 224,450 221,039 221,220 219,268

Available-for-sale securities, at fair value 4,190,263 4,352,258 4,142,285 3,533,201 3,387,497

Held-to-maturity securities, at amortized cost 858,261 745,727 764,794 645,802 512,854

Total investments 5,048,524 5,097,985 4,907,079 4,179,003 3,900,351

Total assets 27,596,970 27,568,785 27,285,744 26,699,699 26,731,915

Transaction deposits 12,745,791 12,746,921 12,865,974 12,306,532 11,969,124

Time deposits 8,186,284 8,377,230 8,550,996 9,131,104 9,417,447

Total deposits 20,932,075 21,124,151 21,416,970 21,437,636 21,386,571

Borrowings and junior subordinated debentures 3,315,697 3,114,548 2,488,411 1,817,249 1,991,087

Total shareholders' equity 3,022,569 2,981,283 3,029,407 3,039,575 3,014,325

Loans to customer deposits 95.63 % 94.52 % 92.67 % 93.71 % 94.81 %

PROFITABILITY

Net income $ 66,130 $ 65,548 $ 64,196 $ 60,597 $ 61,952

Net income to common shareholders 62,474 61,892 60,540 56,941 58,296

Diluted earnings per common share 0.84 0.82 0.79 0.72 0.73

Return on tangible common equity1

11.04 % 10.82 % 10.57 % 9.99 % 10.20 %

Return on tangible assets1

0.97 % 0.97 % 0.97 % 0.93 % 0.94 %

Net interest margin 2.81 % 2.81 % 2.70 % 2.71 % 2.69 %

Efficiency ratio 53.69 % 55.66 % 55.25 % 56.82 % 56.01 %

FINANCIAL HIGHLIGHTS

Common shareholders' equity per share $ 36.81 $ 36.30 $ 35.70 $ 35.04 $ 34.30

Tangible common shareholders' equity per share1

30.82 30.27 29.91 29.38 28.69

Shareholders' equity to total assets 10.95 % 10.81 % 11.10 % 11.38 % 11.28 %

Tangible shareholders' equity to tangible assets1

9.50 % 9.35 % 9.64 % 9.89 % 9.78 %

Common shares outstanding 73,954,133 73,855,919 76,448,351 78,186,520 79,130,276

Preferred shares outstanding 300,000 300,000 300,000 300,000 300,000

CREDIT QUALITY

ACL to gross loans 1.08 % 1.05 % 1.05 % 1.04 % 1.03 %

Non-accrual loans to net loans 0.64 % 0.62 % 0.96 % 0.64 % 0.41 %

Delinquencies to net loans 0.75 % 0.78 % 1.07 % 0.60 % 0.26 %

Non-performing assets to total assets 0.49 % 0.48 % 0.75 % 0.54 % 0.36 %

Total criticized loans to net loans 4.93 % 4.24 % 4.60 % 4.39 % 4.07 %

Total adversely classified loans to net loans 2.59 % 2.60 % 2.94 % 3.16 % 3.54 %

1Metric is a non-GAAP Financial Measure. See page 9 for additional information on our use of non-GAAP Financial Measures.

Quarterly Earnings Release Q3 2026

WaFd Inc. Announces Third Quarter 2026 Results

Balance Sheet Total assets increased to $27.6 billion as of June 30, 2026, compared to $26.7 billion at September 30, 2025, primarily due to the purchase of investment securities during the period. Investment securities increased by $870 million, or 20.8% in the nine months ended June 30, 2026, a result of $1.4 billion of purchases, primarily discount-priced 30-year mortgage backed securities at an expected yield to maturity of 5%. Net loans decreased $71 million to $20.0 billion and cash increased $19 million, or 2.9% during same period.

Customer deposits totaled $20.9 billion as of June 30, 2026, compared to $21.4 billion at September 30, 2025. The effective weighted average interest rate, including non-interest-bearing deposits, was 2.39% as of June 30, 2026, compared to 2.69% at September 30, 2025. Transaction accounts increased by $439 million or 3.6% during the nine months ended June 30, 2026, while time deposits decreased $945 million or 10.3%. As of June 30, 2026, 60.9% of the Company’s deposits were transaction accounts, an increase from 57.4% at September 30, 2025. Core deposits, defined as all transaction accounts and time deposits less than $250,000, totaled 80.6% of deposits at June 30, 2026, up from 77.9% on September 30, 2025. Deposits that are uninsured or not collateralized were 25.4% of total deposits as of June 30, 2026, an increase from 24.7% as of September 30, 2025.

Borrowings totaled $3.3 billion as of June 30, 2026, up from $1.8 billion at September 30, 2025. The effective weighted average interest rate of borrowings was 3.08% as of June 30, 2026, compared to 2.50% at September 30, 2025.

Loan originations for active loan types totaled $1.5 billion for both the second and third fiscal quarters of 2026. Offsetting loan originations for these loan types in each of these quarters were loan repayments of $1.0 billion and $0.9 billion, respectively. Active loan types include the commercial segment and the consumer portfolio. Inactive loan types include all consumer residential portfolios. These loan types had repayments of $299 million during the quarter. Commercial loans represented 96% of all loan originations during the third fiscal quarter of 2026 and consumer loans accounted for the remaining 4%. The period end interest yield on the loan portfolio was 5.33% as of June 30, 2026, a decrease from 5.38% at September 30, 2025.

Tangible common equity per share is a key metric for our management team. For the nine months ended June 30, 2026, tangible book value per share grew to $30.82 at June 30, 2026 from $29.38 as of September 30, 2025. This metric is a non-GAAP Financial Measure. See page 9 for additional information on our use of non-GAAP Financial Measures. During the quarter, the Company repurchased 8,806 shares of common stock at a weighted average price of $36.20 as a result of option exercise activity. Our share repurchase plan currently has a remaining authorization of 8.0 million shares which, depending on share price, may provide a compelling investment alternative.

Return on common shareholders' equity for the quarter ended June 30, 2026 was 9.23% compared to 9.05% for the quarter ended March 31, 2026. Adjusted for certain non-operating items, return on equity for the quarter was 8.80% compared to adjusted return on equity of 9.12% the prior quarter. Return on assets for the quarter ended June 30, 2026 was 0.96%, unchanged from the previous quarter. Adjusted for certain non-operating items, return on assets for the quarter was 0.92% compared to adjusted return on assets of 0.97% the prior quarter. For a reconciliation of these adjusted ratios, see the Non-GAAP Financial Measures section below.

WaFd’s capital ratios are expected to be in line with the March 2026 results which showed the total risk-based capital ratio at 14.4% and common equity tier 1 risk-based capital ratio at 11.4%. All ratios remain above current “well-capitalized” regulatory minimums. In March 2026, federal banking regulators re-proposed revisions to the Basel III Endgame capital framework, which remains subject to finalization following the close of the industry comment period in June 2026. Based on management’s review and analysis, using March 31, 2026 data, WaFd estimates that opting into the revised framework, once finalized, could reduce risk-weighted assets by approximately 12.5%, representing an estimated $317 million of total risk-based capital relief. We will continue to evaluate this opportunity as the rule is finalized.

Credit Quality Considering the shifting economic and monetary environment, further impacted by recent global developments, credit quality continues to be monitored closely. As of June 30, 2026, non-performing assets increased to $136 million, or 0.49% of total assets, from $132 million, or 0.48%, at March 31, 2026 and decreased from $143 million, or 0.54%, at September 30, 2025. The decrease compared to September is the result of non-accrual loans decreasing by $1.1 million, or 1%, since September 30, 2025 combined with decreases in real estate owned ("REO") of $2.9 million and other property owned of $3.3 million during the same time frame. Delinquent loans increased to 0.75% of total loans at June 30, 2026, compared to 0.60% at September 30, 2025 but decreased compared to 0.78% at March 31, 2026.

The allowance for credit losses (including the reserve for unfunded commitments) totaled $234 million as of June 30, 2026, and was 1.08% of gross loans outstanding, as compared to $221 million, or 1.04% of gross loans outstanding, as of September 30, 2025. This increase was the result in growth in the active loan portfolio, specifically C&I and Construction loans, in addition to concerns related to possible losses on adversely classified loans. Net charge-offs were $1.6 million for the third fiscal quarter of 2026, compared to $0.6 million for the prior quarter.

Quarterly Earnings Release Q3 2026

WaFd Inc. Announces Third Quarter 2026 Results

Profitability Net interest income was $181 million for the third fiscal quarter of 2026, an increase of $3.8 million or 2% from the prior quarter. The increase in net interest income was primarily due to a basis point increase in the rate earned on interest earning assets combined with a basis point decrease in the rate paid on interest bearing liabilities. As a result of these minor changes, the net interest margin held steady at 2.81% for the third fiscal quarter of 2026.

Total non-interest income was $24.2 million for the third fiscal quarter of 2026 compared to $19.8 million the prior quarter. The increase compared to the prior quarter was primarily due to $3.2 million of gains recognized on the sale of bank real estate combined with lower losses recognized on equity method investments.

Total non-interest expense was $110.3 million in the third fiscal quarter of 2026, an increase of $0.5 million, or 0.4%, from the prior quarter. The increase is the result of small increases in compensation, FDIC insurance and technology expenses.

The Company recorded an $11.0 million provision for credit losses in the third fiscal quarter of 2026 compared to a provision of $4.0 million the prior quarter. The provision for loan losses in the quarter ended June 30, 2026 was the result of growth in the active loan portfolio, specifically C&I and Construction loans, in addition to concerns related to possible losses on adversely classified loans. $1.6 million of net charge-offs were taken during the quarter.

Income tax expense totaled $18.2 million in the third fiscal quarter of 2026, as compared to $18.3 million for the prior quarter. The effective tax rate for the quarter ended June 30, 2026 was 21.6% compared to 21.8% for the quarter ended March 31, 2026. The Company’s effective tax rate may vary from the statutory rate mainly due to state taxes, tax-exempt income and tax-credit investments.

WaFd Bank is headquartered in Seattle, Washington, and has 210 branches in nine western states. To find out more about WaFd Bank, please visit our website www.wafdbank.com. The Company will host a conference call for investors and analysts at 7:00 am Pacific Time on Friday July 17, 2026. Participants may register for the call from a link on the Company's investor relations site (https://www.wafdbank.com/about-us/investor-relations) or through a direct link (https://register-conf.media-server.com/register/BI3742b47b9d1546a6a24d982d3a85576b). The Company uses its website to distribute financial and other material information about the Company.

# # #

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(UNAUDITED)

June 30, 2026 September 30, 2025

(In thousands, except share and ratio data)

ASSETS

Cash and cash equivalents $ 676,467 $ 657,310

Available-for-sale securities, at fair value 4,190,263 3,533,201

Held-to-maturity securities, at amortized cost 858,261 645,802

Loans receivable, net of allowance for loan losses of $214,831 and $199,720 20,017,876 20,088,618

Interest receivable 99,120 98,589

Premises and equipment, net 291,606 261,271

Real estate owned 8,179 11,084

FHLB stock 155,392 88,068

Bank owned life insurance 281,131 275,159

Intangible assets, including goodwill of $418,447 and $414,722 443,670 442,093

Federal and state income tax assets 110,616 112,784

Other assets 464,389 485,720

$ 27,596,970 $ 26,699,699

LIABILITIES AND SHAREHOLDERS’ EQUITY

Liabilities

Transaction deposits $ 12,745,791 $ 12,306,532

Time deposits 8,186,284 9,131,104

Total customer deposits 20,932,075 21,437,636

Borrowings 3,263,359 1,765,604

Junior subordinated debentures 52,338 51,645

Advance payments by borrowers for taxes and insurance 36,094 59,845

Federal and state income tax liabilities 158 —

Accrued expenses and other liabilities 290,377 345,394

24,574,401 23,660,124

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; 154,862,525 and 154,408,001 shares issued; 73,954,133 and 78,186,520 shares outstanding 154,863 154,408

Additional paid-in capital 2,175,267 2,163,276

Accumulated other comprehensive income (loss), net of taxes 48,087 56,950

Treasury stock, at cost 80,908,392 and 76,221,481 shares (1,886,075) (1,740,761)

Retained earnings 2,230,427 2,105,702

3,022,569 3,039,575

$ 27,596,970 $ 26,699,699

Yield and margin as of period end

Loans receivable1

5.33 % 5.38 %

Mortgage-backed securities 4.51 4.44

Combined cash, investments and FHLB stock 4.22 4.96

Interest-earning assets 5.12 5.23

Interest-bearing customer accounts 2.71 2.95

Borrowings1

3.08 2.50

Interest-bearing liabilities 2.77 2.91

Net interest spread 2.35 2.32

Net interest margin 2.82 2.82

1Accretion and amortization assumed to be same as prior quarter. Also includes the impact of derivatives.

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended June 30, Nine Months Ended June 30,

2026 2025 2026 2025

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable $ 267,243 $ 279,476 $ 793,598 $ 848,150

Mortgage-backed securities 46,569 27,855 129,812 70,118

Investment securities and cash equivalents 18,313 24,383 55,945 94,647

332,125 331,714 979,355 1,012,915

INTEREST EXPENSE

Customer accounts 123,079 146,735 385,292 460,833

Borrowings and junior subordinated debentures 27,708 16,991 64,044 67,753

150,787 163,726 449,336 528,586

Net interest income 181,338 167,988 530,019 484,329

Provision (release) for credit losses 11,000 2,000 18,500 4,750

Net interest income after provision (release) 170,338 165,988 511,519 479,579

NON-INTEREST INCOME

Gain (loss) on sale of investment securities 112 — 112 20

Gain (loss) on termination of hedging derivatives (12) 56 438 126

Loan fee income 2,181 1,650 5,751 4,807

Deposit fee income 8,142 7,588 23,674 21,691

Other income 13,755 8,979 34,271 26,212

Total non-interest income 24,178 18,273 64,246 52,856

NON-INTEREST EXPENSE

Compensation and benefits 57,399 53,481 168,709 166,118

Occupancy 11,842 11,755 34,723 34,042

FDIC insurance premiums 5,542 5,150 15,992 15,800

Product delivery 7,067 6,621 20,751 19,313

Information technology 16,157 15,022 46,460 43,695

Other expense 12,327 12,298 39,277 41,502

Total non-interest expense 110,334 104,327 325,912 320,470

Gain (loss) on real estate owned, net 167 (176) 603 54

Income before income taxes 84,349 79,758 250,456 212,019

Income tax provision 18,219 17,806 54,582 46,548

Net income 66,130 61,952 195,874 165,471

Dividends on preferred stock 3,656 3,656 10,969 10,968

Net income available to common shareholders $ 62,474 $ 58,296 $ 184,905 $ 154,503

PER SHARE DATA

Basic earnings per common share $ 0.85 $ 0.73 $ 2.45 $ 1.91

Diluted earnings per common share 0.84 0.73 2.45 1.91

Cash dividends per common share 0.27 0.27 0.81 0.80

Basic weighted average shares outstanding 73,901,725 79,888,520 75,458,381 80,748,838

Diluted weighted average shares outstanding 74,046,838 79,907,672 75,553,798 80,821,807

PERFORMANCE RATIOS

Return on average assets 0.96 % 0.92 % 0.96 % 0.81 %

Return on average common equity 9.23 % 8.54 % 9.05 % 7.55 %

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable $ 267,243 $ 262,148 $ 264,207 $ 271,787 $ 279,476

Mortgage-backed securities 46,569 44,341 38,902 32,953 27,855

Investment securities and cash equivalents 18,313 18,245 19,387 21,794 24,383

332,125 324,734 322,496 326,534 331,714

INTEREST EXPENSE

Customer accounts 123,079 125,999 136,214 143,874 146,735

Borrowings and junior subordinated debentures 27,708 21,165 15,171 12,754 16,991

150,787 147,164 151,385 156,628 163,726

Net interest income 181,338 177,570 171,111 169,906 167,988

Provision for credit losses 11,000 4,000 3,500 3,000 2,000

Net interest income after provision 170,338 173,570 167,611 166,906 165,988

NON-INTEREST INCOME

Gain (loss) on sale of investment securities 112 — — — —

Gain (loss) on termination of hedging derivatives (12) 426 24 32 56

Loan fee income 2,181 2,216 1,354 2,081 1,650

Deposit fee income 8,142 7,674 7,858 7,959 7,588

Other income 13,755 9,497 11,019 8,319 8,979

Total non-interest income 24,178 19,813 20,255 18,391 18,273

NON-INTEREST EXPENSE

Compensation and benefits 57,399 57,120 54,190 56,028 53,481

Occupancy 11,842 11,711 11,170 10,895 11,755

FDIC insurance premiums 5,542 5,050 5,400 4,400 5,150

Product delivery 7,067 7,110 6,574 6,558 6,621

Information technology 16,157 15,919 14,384 16,406 15,022

Other expense 12,327 12,947 14,003 12,706 12,298

Total non-interest expense 110,334 109,857 105,721 106,993 104,327

Gain (loss) on real estate owned, net 167 280 156 (681) (176)

Income before income taxes 84,349 83,806 82,301 77,623 79,758

Income tax provision 18,219 18,258 18,105 17,026 17,806

Net income 66,130 65,548 64,196 60,597 61,952

Dividends on preferred stock 3,656 3,656 3,656 3,656 3,656

Net income available to common shareholders $ 62,474 $ 61,892 $ 60,540 $ 56,941 $ 58,296

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(In thousands, except share and ratio data)

PER SHARE DATA

Basic earnings per common share $ 0.85 $ 0.82 $ 0.79 $ 0.73 $ 0.73

Diluted earnings per common share 0.84 0.82 0.79 0.72 0.73

Cash dividends per common share 0.27 0.27 0.27 0.27 0.27

Basic weighted average shares outstanding 73,901,725 75,487,399 76,969,729 78,509,472 79,888,520

Diluted weighted average shares outstanding 74,046,838 75,574,228 77,015,554 78,573,457 79,907,672

PERFORMANCE RATIOS

Return on average assets 0.96 % 0.96 % 0.96 % 0.91 % 0.92 %

Return on average common equity 9.23 9.05 8.86 8.36 8.54

Net interest margin 2.81 2.81 2.70 2.71 2.69

Efficiency ratio 53.69 55.66 55.25 56.82 56.01

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Non-GAAP Financial Measures

The Company has presented certain non-GAAP measures within this document to remove the effect of certain income and expenses to provide investors with information useful in understanding our financial performance. The Company considers these items to be non-operating in nature as they are items that management does not consider indicative of the Company's on-going financial performance. We believe that the tables presented reflect our on-going performance in the periods presented and, accordingly, are useful to consider in addition to our GAAP financial results. These measures should not be considered a substitution for GAAP basis disclosures.

Other companies may use similarly titled non-GAAP financial measures that are calculated differently from the way they are calculated herein. Because of this, our non-GAAP financial measures may not be comparable to similar measures used by others. We caution investors not to place undue reliance on such measures. See the following unaudited tables for reconciliations of our non-GAAP measures to the most directly comparable GAAP financial measures.

Tangible Measures June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(Unaudited - In thousands, except for share and ratio data)

Shareholders' equity - GAAP $ 3,022,569 $ 2,981,283 $ 3,029,407 $ 3,039,575 $ 3,014,325

Less intangible assets - GAAP 443,670 445,511 443,085 442,093 444,291

Tangible shareholders' equity $ 2,578,899 $ 2,535,772 $ 2,586,322 $ 2,597,482 $ 2,570,034

Less preferred stock - GAAP 300,000 300,000 300,000 300,000 300,000

Tangible common shareholders' equity $ 2,278,899 $ 2,235,772 $ 2,286,322 $ 2,297,482 $ 2,270,034

Total assets - GAAP $ 27,596,970 $ 27,568,785 $ 27,285,744 $ 26,699,699 $ 26,731,915

Less intangible assets - GAAP 443,670 445,511 443,085 442,093 444,291

Tangible assets $ 27,153,300 $ 27,123,274 $ 26,842,659 $ 26,257,606 $ 26,287,624

Tangible Metrics

Common shares outstanding - GAAP 73,954,133 73,855,919 76,448,351 78,186,520 79,130,276

Tangible common equity per share $ 30.82 $ 30.27 $ 29.91 $ 29.38 $ 28.69

Tangible equity to tangible assets 9.50 % 9.35 % 9.64 % 9.89 % 9.78 %

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Average Tangible Measures June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(Unaudited - In thousands, except for ratio data)

Average shareholders' equity - GAAP $ 3,008,370 $ 3,034,123 $ 3,033,933 $ 3,023,098 $ 3,030,745

Less average preferred stock

- GAAP 300,000 300,000 300,000 300,000 300,000

Less average intangible assets - GAAP 444,665 445,155 442,226 443,382 445,733

Average tangible common equity $ 2,263,705 $ 2,288,968 $ 2,291,707 $ 2,279,716 $ 2,285,012

Average Assets - GAAP $ 27,612,152 $ 27,350,614 $ 26,852,389 $ 26,540,782 $ 26,813,500

Less average intangible assets - GAAP 444,665 445,155 442,226 443,382 445,733

Average tangible assets $ 27,167,487 $ 26,905,459 $ 26,410,163 $ 26,097,400 $ 26,367,767

Average Tangible Metrics

Net income - GAAP 66,130 65,548 64,196 60,597 61,952

Net income available to common shareholders - GAAP 62,474 61,892 60,540 56,941 58,296

Return on tangible common equity 11.04 % 10.82 % 10.57 % 9.99 % 10.20 %

Return on tangible assets 0.97 % 0.97 % 0.97 % 0.93 % 0.94 %

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Net Income Adjusted for Non-Operating Items

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(Unaudited - In thousands, except for share and ratio data)

Non-interest income adjustments

(Gain)Loss on sale of branch property $ (3,205) $ 27 $ (3,214) $ 467 $ 4

Distribution received on LBC equity method investment (225) (225) (237) (251) (255)

(Gain)Loss on WaFd Bank equity method investment (48) 1,072 408 (815) 304

Total non-interest income adjustments $ (3,478) $ 874 $ (3,043) $ (599) $ 53

Net Income - GAAP $ 66,130 $ 65,548 $ 64,196 $ 60,597 $ 61,952

Non-interest income adjustments (3,478) 874 (3,043) (599) 53

REO adjustments (167) (280) (156) 681 176

Income tax adjustment 787 (129) 704 (18) (51)

Net Income - non-GAAP $ 63,272 $ 66,013 $ 61,701 $ 60,661 $ 62,130

Dividend on preferred stock 3,656 3,656 3,656 3,656 3,656

Net Income available to common shareholders - non-GAAP $ 59,616 $ 62,357 $ 58,045 $ 57,005 $ 58,474

Basic weighted average number of shares outstanding - GAAP 73,901,725 75,487,399 76,969,729 78,509,472 79,888,520

Diluted weighted average number of shares outstanding - GAAP 74,046,838 75,574,228 77,015,554 78,573,457 79,907,672

Basic EPS - non-GAAP $ 0.81 $ 0.83 $ 0.75 $ 0.73 $ 0.73

Diluted EPS - non-GAAP 0.81 0.83 0.75 0.73 0.73

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Adjusted Efficiency Ratio June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(Unaudited - In thousands, except for ratio data)

Efficiency ratio - GAAP 53.7 % 55.7 % 55.3 % 56.8 % 56.0 %

Net interest income - GAAP $ 181,338 $ 177,570 $ 171,111 $ 169,906 $ 167,988

Total interest income adjustments — — — — —

Net interest income - non-GAAP $ 181,338 $ 177,570 $ 171,111 $ 169,906 $ 167,988

Non-interest expense - GAAP $ 110,334 $ 109,857 $ 105,721 $ 106,993 $ 104,327

Less non-operating expenses — — — — —

Non-interest Expenses -

non-GAAP $ 110,334 $ 109,857 $ 105,721 $ 106,993 $ 104,327

Non-interest income - GAAP $ 24,178 $ 19,813 $ 20,255 $ 18,391 $ 18,273

Total other income adjustments (3,478) 874 (3,043) (599) 53

Non-interest income -

non-GAAP $ 20,700 $ 20,687 $ 17,212 $ 17,792 $ 18,326

Net Interest Income -

non-GAAP $ 181,338 $ 177,570 $ 171,111 $ 169,906 $ 167,988

Non-interest income -

non-GAAP 20,700 20,687 17,212 17,792 18,326

Total Income - non-GAAP $ 202,038 $ 198,257 $ 188,323 $ 187,698 $ 186,314

Adjusted Efficiency Ratio 54.6 % 55.4 % 56.1 % 57.0 % 56.0 %

Quarterly Earnings Release Q3 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Adjusted ROA and ROE June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

(Unaudited - In thousands, except for ratio data)

Reported:

Net Income - GAAP $ 66,130 $ 65,548 $ 64,196 $ 60,597 $ 61,952

Net income available to common shareholders - GAAP $ 62,474 $ 61,892 $ 60,540 $ 56,941 $ 58,296

Average Assets 27,612,152 27,350,614 26,852,389 26,540,782 26,813,500

Return on Assets 0.96 % 0.96 % 0.96 % 0.91 % 0.92 %

Average Common Equity $ 2,708,370 $ 2,734,123 $ 2,733,933 $ 2,723,098 $ 2,730,745

Return on Common Equity 9.23 % 9.05 % 8.86 % 8.36 % 8.54 %

Adjusted:

Net Income - non-GAAP $ 63,272 $ 66,013 $ 61,701 $ 60,661 $ 62,130

Net income available to common shareholders - non-GAAP $ 59,616 $ 62,357 $ 58,045 $ 57,005 $ 58,474

Average Assets 27,612,152 27,350,614 26,852,389 26,540,782 26,813,500

Adjusted Return on Assets 0.92 % 0.97 % 0.92 % 0.91 % 0.93 %

Average Common Equity 2,708,370 2,734,123 2,733,933 2,723,098 2,730,745

Adjusted Return on Common Equity 8.80 % 9.12 % 8.49 % 8.37 % 8.57 %

Quarterly Earnings Release Q3 2026

Important Cautionary Statements

By their nature, forward-looking statements involve inherent risk and uncertainties including the following risks and uncertainties, and those risks and uncertainties more fully discussed under “Risk Factors” in the Company’s September 30, 2025 10-K and Quarterly Reports on Form 10-Q, which could cause actual performance to differ materially from that anticipated by any forward-looking statements. Forward-looking statements relating to our financial condition or operations are subject to risks and uncertainties related to (i) fluctuations in interest rate risk and market interest rates, including the effect on our net interest income and net interest margin; (ii) current and future economic conditions, including the effects of declines in the real estate market, tariffs, high unemployment rates, inflationary pressures, a potential recession, the monetary policies of the Federal Reserve, and slowdowns in economic growth either nationally or locally in some or all of the areas in which we conduct business; (iii) financial stress on borrowers (consumers and businesses) as a result of higher interest rates or an uncertain economic environment; (iv) changes in deposit flows or loan demands; (v) our ability to identify and address cyber-security risks, including through the use of artificial intelligence, such as security breaches, "denial of service attacks," "hacking" and identity theft; (vi) the Company's exit from the mortgage lending business; (vii) the effects of natural or man-made disasters, calamities, or conflicts, including terrorist events and pandemics (such as the COVID-19 pandemic) and the resulting governmental and societal responses; (viii) the results of examinations by regulatory authorities, which may impose restrictions or penalties on the Company's activities and changes in laws, regulations, or government policies; (ix) expectations regarding key growth initiatives and strategic priorities; (x) our reliance on third party provided technology and developments related to artificial intelligence; (xi) global economic trends, including developments related to Ukraine and Russia, and the evolving conflict in the Middle East, and related negative financial impacts on our borrowers; (xii) litigation risks resulting in significant expenses, losses and reputational damage; (xiii) the impact of bank failures or adverse developments at other banks and related negative press about regional banks and the banking industry in general; and (xiv) other economic, competitive, governmental, environmental, regulatory, and technological factors affecting our operations, pricing, products and services.

# # #

CONTACT:

WaFd, Inc.

425 Pike Street, Seattle, WA 98101

Brad Goode, SVP, Chief Marketing Officer

206-626-8178

brad.goode@wafd.com

Quarterly Earnings Release Q3 2026

EX-99.2

Filename: exhibit992_jun2026factsheet.htm · Sequence: 3

Document

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

As of 12/25 As of 03/26 As of 06/26

Allowance for Credit Losses (ACL) - Total $ 221,039 $ 224,450 $ 233,831

ACL - Loans 199,539 201,950 214,831

ACL - Unfunded Commitments 21,500 22,500 19,000

Total ACL as a % of Gross Loans 1.05 % 1.05 % 1.08 %

Active Loan Types 12/25 QTR 12/25 YTD 03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD

Originations & Advances

Multi-Family $ 131,805 $ 131,805 $ 114,375 $ 246,180 $ 126,087 $ 372,267

Commercial Real Estate 123,439 123,439 229,982 353,421 144,484 497,905

Commercial & Industrial 502,134 502,134 564,961 1,067,095 740,817 1,807,912

Construction 276,368 276,369 533,444 809,813 406,686 1,216,499

Land - Acquisition & Development 18,650 18,650 37,748 56,398 38,505 94,903

Consumer 40,745 40,745 41,550 82,295 43,280 125,575

$ 1,093,141 $ 1,093,142 $ 1,522,060 $ 2,615,202 $ 1,499,859 $ 4,115,061

Repayments & Payoffs

Multi-Family $ 169,890 $ 169,890 $ 144,320 $ 314,210 $ 201,518 $ 515,728

Commercial Real Estate 191,596 191,596 132,833 324,429 209,236 533,665

Commercial & Industrial 371,788 371,788 297,043 668,831 423,451 1,092,282

Construction 220,062 220,062 230,260 450,322 144,673 594,995

Land - Acquisition & Development 19,981 19,981 18,473 38,454 16,281 54,735

Consumer 49,090 49,090 36,475 85,565 40,813 126,378

$ 1,022,407 $ 1,022,407 $ 859,404 $ 1,881,811 $ 1,035,972 $ 2,917,783

Inactive Loan Types

Originations & Advances

Single-Family Residential — — 30 30 4 34

Construction - Custom — — — — — —

Land - Consumer Lot Loans — — — — — —

HELOC 25,407 25,407 20,566 45,973 22,610 68,583

$ 25,407 $ 25,407 $ 20,596 $ 46,003 $ 22,614 $ 68,617

Repayments & Payoffs

Single-Family Residential 270,137 270,137 232,157 502,294 256,011 758,305

Construction - Custom 12,799 12,799 8,628 21,427 7,859 29,286

Land - Consumer Lot Loans 6,254 6,254 5,702 11,956 4,821 16,777

HELOC 32,038 32,038 29,496 61,534 30,202 91,736

$ 321,228 $ 321,228 $ 275,983 $ 597,211 $ 298,893 $ 896,104

Purchased Loans $9,926 $9,926 $0 $9,926 $0 $9,926

Weighted Average Rate on Originations 5.99 % 6.22 % 6.31 %

Weighted Average Rate on Payoffs 6.31 % 6.12 % 6.06 %

Net Loan Fee Accretion $ 3,267 $ 3,267 $ 4,104 $ 7,371 $ 4,584 $ 11,955

Net Discount Accretion on Acquired Loans $ 6,101 $ 6,101 $ 5,764 $ 11,865 $ 7,166 $ 19,031

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

As of 12/25 As of 03/26 As of 06/26

Loans Receivable by Category Amount % Amount % Amount %

Multi-Family $ 4,698,342 22.3 % $ 4,750,092 22.2 % $ 4,721,719 21.8 %

Commercial Real Estate 3,561,865 17.0 3,670,285 17.0 3,642,259 16.8

Commercial & Industrial 2,530,666 12.0 2,798,568 13.1 3,110,005 14.4

Construction 1,742,158 8.3 1,955,180 9.1 2,144,343 9.9

Land - Acquisition & Development 177,768 0.8 197,044 0.9 219,267 1.0

Consumer 52,701 0.3 54,649 0.3 54,245 0.3

Total Active 12,763,500 60.7 13,425,818 62.6 13,891,838 64.2

Single-Family Residential 7,823,718 37.2 7,618,273 35.5 7,389,117 34.2

Construction - Custom 105,576 0.5 69,520 0.3 35,260 0.2

Land - Consumer Lot Loans 83,046 0.4 77,275 0.4 72,451 0.3

HELOC 261,240 1.3 252,319 1.2 244,726 1.1

Total Inactive 8,273,580 39.3 8,017,387 37.4 7,741,554 35.8

21,037,080 100 % 21,443,205 100 % 21,633,392 100 %

Less:

Loans in Process 783,233 1,063,129 1,186,436

Net Deferred Fees, Costs and Discounts 206,152 211,143 214,249

Loans at Amortized Cost 20,047,695 20,168,933 20,232,707

Less:

Allowance for Credit Losses (ACL) - Loans 199,539 201,950 214,831

Net Loans $ 19,848,156 $ 19,966,983 $ 20,017,876

Net Loan Portfolio by Category Amount % Amount % Amount %

Multi-Family $ 4,591,242 23.2 % $ 4,646,676 23.4 % $ 4,620,256 23.1 %

Commercial Real Estate 3,505,521 17.7 3,611,179 18.1 3,585,271 17.9

Commercial & Industrial 2,462,384 12.4 2,722,472 13.6 3,016,298 15.1

Construction 1,025,434 5.2 940,245 4.7 997,813 5.0

Land - Acquisition & Development 139,326 0.7 160,874 0.8 176,772 0.9

Consumer 50,194 0.3 51,876 0.3 51,422 0.2

Total Active 11,774,101 59.3 12,133,322 60.8 12,447,832 62.2

Single-Family Residential 7,674,094 38.7 7,467,652 37.4 7,238,660 36.2

Construction - Custom 57,916 0.3 38,565 0.2 16,289 0.1

Land - Consumer Lot Loans 80,533 0.3 74,942 0.3 70,275 0.3

HELOC 261,512 1.4 252,502 1.3 244,820 1.2

Total Inactive 8,074,055 40.7 7,833,661 39.2 7,570,044 37.8

$ 19,848,156 100 % $ 19,966,983 100 % $ 20,017,876 100 %

Loan Contractual Term to Maturity or Repricing1

Amount Rate Amount Rate Amount Rate

Within 3 months $ 7,195,026 6.67% $ 7,186,683 6.57% $ 7,963,909 6.52%

From 4 to 6 months 348,029 4.39 697,759 5.07 470,224 3.80

From 7 to 9 months 549,421 4.41 479,410 4.01 512,905 4.48

From 10 to 12 months 452,195 3.95 500,864 4.51 693,753 4.31

1 to 3 years 2,210,585 4.48 2,290,380 4.60 1,739,306 4.83

3 to 5 years 1,831,468 5.17 1,735,993 5.21 1,810,329 5.26

More than 5 years 7,460,971 4.18 7,277,844 4.18 7,042,281 4.20

Total $ 20,047,695 5.20 % $ 20,168,933 5.20 % $ 20,232,707 5.27 %

1Includes the effect of derivatives.

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

As of 12/25 As of 03/26 As of 06/26

Loans by State Amount % Amount % Amount %

Washington $ 5,483,287 27.4 % $ 5,514,736 27.3 % $ 5,538,787 27.4 %

Idaho 889,654 4.4 897,510 4.4 940,568 4.6

Oregon 2,393,259 11.9 2,310,279 11.5 2,316,967 11.5

Utah 1,875,494 9.4 1,810,775 9.0 1,858,178 9.2

Nevada 810,694 4.0 794,031 3.9 800,934 4.0

Texas 2,323,979 11.6 2,472,011 12.3 2,396,012 11.8

Arizona 2,230,436 11.1 2,266,443 11.2 2,150,510 10.6

New Mexico 800,433 4.0 804,986 4.0 803,561 4.0

California 2,779,329 13.9 2,753,103 13.7 2,762,531 13.7

Other 461,130 2.3 545,059 2.7 664,659 3.3

Total $ 20,047,695 100 % $ 20,168,933 100 % $ 20,232,707 100 %

Non-Performing Assets Amount % Amount % Amount %

Non-accrual loans:

Multi-Family $ 31,710 16.5 % $ 34,385 27.7 % $ 34,249 26.9 %

Commercial Real Estate 68,501 35.8 4,682 3.8 3,114 2.4

Commercial & Industrial 58,180 30.4 54,728 44.2 65,741 51.5

Construction 3,400 1.8 — — — —

Land - Acquisition & Development — — — — — —

Single-Family Residential 26,579 13.9 28,188 22.8 22,445 17.6

Construction - Custom 2,054 1.1 760 0.6 892 0.7

Land - Consumer Lot Loans 270 0.1 325 0.3 239 0.2

HELOC 481 0.3 593 0.5 627 0.5

Consumer 173 0.1 198 0.2 262 0.2

Total non-accrual loans 191,348 100 % 123,859 100 % 127,569 100 %

Real Estate Owned 8,738 8,125 8,179

Other Property Owned 3,310 — —

Total non-performing assets $ 203,396 $ 131,984 $ 135,748

Non-accrual loans as % of total net loans 0.96 % 0.62 % 0.64 %

Non-performing assets as % of total assets 0.75 % 0.48 % 0.49 %

Net Charge-offs (Recoveries) by Category 12/25 QTR

CO % (a)

3/26 QTR

CO % (a)

6/26 QTR

CO % (a)

Multi-Family $ — — % $ 81 0.01 % $ — — %

Commercial Real Estate (648) (0.07) (7) — 272 0.03

Commercial & Industrial 4,191 0.66 124 0.02 600 0.08

Construction — — — — — —

Land - Acquisition & Development (109) (0.25) (7) (0.01) (6) (0.01)

Single-Family Residential 45 — 25 — (11) —

Construction - Custom (2) (0.01) (2) (0.01) (2) (0.02)

Land - Consumer Lot Loans — — — — — —

HELOC — — (1) — (1) —

Consumer 204 1.55 376 2.75 767 5.66

Total net charge-offs (recoveries) $ 3,681 0.07 % $ 589 0.01 % $ 1,619 0.03 %

(a)Annualized Net Charge-offs (recoveries) divided by Gross Balance

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

12/25 QTR 12/25 YTD 03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD

Efficiency

Operating Expenses/Average Assets 1.57 % 1.57 % 1.61 % 1.59 % 1.60 % 1.59 %

Efficiency Ratio (%) 55.25 % 55.25 % 55.66 % 55.45 % 53.69 % 54.84 %

Amortization of Intangibles $ 2,058 $ 2,058 $ 1,974 $ 4,032 $ 1,841 $ 5,873

EOP Numbers

Shares Issued and Outstanding 76,448,351 73,855,919 73,954,133

Share repurchase information

Remaining shares authorized for repurchase 6,256,136 7,992,669 7,992,669

Shares repurchased 1,950,013 1,950,013 2,738,096 4,688,109 8,806 4,696,915

Average share repurchase price $ 29.75 $ 29.75 $ 31.85 $ 30.98 $ 36.20 $ 30.99

Tangible Common Shareholders' Book Value As of 12/25 As of 03/26 As of 06/26

$ Amount $ 2,286,322 $ 2,235,772 $ 2,278,899

Per Share 29.91 30.27 30.82

# of Employees 2,049 2,070 2,055

Investments

Available-for-sale:

Agency MBS $ 3,236,388 $ 3,478,537 $ 3,377,403

Other 905,897 873,721 812,860

$ 4,142,285 $ 4,352,258 $ 4,190,263

Held-to-maturity:

Agency MBS $ 764,794 $ 745,727 $ 858,261

$ 764,794 $ 745,727 $ 858,261

12/25 QTR 12/25 YTD 03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD

MBS Repayments $ 117,282 $ 117,282 $ 107,198 $ 224,480 $ 124,611 $ 349,091

MBS Net Premium Amortization $ 3,276 $ 3,276 $ 4,076 $ 7,352 $ 4,569 $ 11,921

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

As of 12/25 As of 03/26 As of 06/26

Deposits & Branches by State Amount % # Amount % # Amount % #

Washington $ 8,479,452 39.6 % 73 $ 8,504,298 40.3 % 73 $ 8,511,128 40.7 % 74

Idaho 936,443 4.4 21 926,134 4.4 21 920,533 4.4 21

Oregon 2,926,616 13.7 36 2,827,773 13.4 36 2,723,445 13.0 36

Utah 550,998 2.6 9 558,689 2.6 9 544,563 2.6 9

Nevada 532,178 2.6 8 544,906 2.6 8 560,858 2.7 8

Texas 1,171,402 5.4 5 961,614 4.5 5 941,031 4.4 6

Arizona 1,651,572 7.7 28 1,671,233 7.9 28 1,647,667 7.9 28

New Mexico 1,675,873 7.8 18 1,799,259 8.5 18 1,844,266 8.8 18

California 3,492,436 16.3 10 3,330,245 15.8 10 3,238,584 15.5 10

Total $ 21,416,970 100 % 208 $ 21,124,151 100 % 208 $ 20,932,075 100 % 210

Deposits by Type Amount % Amount % Amount %

Non-Interest Checking $ 2,692,680 12.6 % $ 2,577,976 12.2 % $ 2,646,615 12.6 %

Interest Checking 5,187,008 24.2 5,151,103 24.4 4,991,715 23.9

Savings 722,188 3.5 726,630 3.5 712,829 3.4

Money Market 4,264,098 19.9 4,291,212 20.3 4,394,632 21.0

Time Deposits 8,550,996 39.9 8,377,230 39.6 8,186,284 39.1

Total $ 21,416,970 100 % $ 21,124,151 100 % $ 20,932,075 100 %

Deposits Uninsured &

Non-collateralized - EOP $ 5,607,476 26.2 % $ 5,333,317 25.2 % $ 5,326,972 25.4 %

Time Deposit Repricing Amount Rate Amount Rate Amount Rate

Within 3 months $ 2,427,461 3.77 % $ 4,207,471 3.68 % $ 2,240,734 3.44 %

From 4 to 6 months 4,007,405 3.71 % 2,025,605 3.41 % 3,133,271 3.52 %

From 7 to 9 months 1,185,086 3.43 % 1,224,586 3.42 % 1,289,517 3.61 %

From 10 to 12 months 558,606 3.25 % 536,210 3.19 % 885,477 3.38 %

1 to 3 years 361,495 2.95 % 373,016 2.95 % 627,076 3.49 %

3 to 5 years 10,943 0.32 % 10,342 0.32 % 10,209 0.31 %

Borrowings (Effective Maturity)1

Amount Rate Amount Rate Amount Rate

Within 3 months $ 800,000 3.70 % $ 1,425,000 3.85 % $ 1,645,000 3.86 %

From 4 to 6 months — — % 118,879 4.52 % 249,798 4.15 %

From 7 to 9 months 117,970 4.52 % 150,000 3.81 % — — %

From 10 to 12 months 150,000 3.81 % — — % — — %

1 to 3 years 225,000 3.41 % 225,000 3.51 % 225,000 3.58 %

3 to 5 years 993,562 1.06 % 993,562 1.09 % 993,561 1.17 %

More than 5 years 201,879 4.57 % 202,107 4.48 % 202,338 4.52 %

1Includes junior subordinated debentures

12/25 QTR 12/25 YTD 03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD

Net Premium(Discount) Amortization on Acquired Deposits and Borrowings $ (1,162) $ (1,162) $ (1,137) $ (2,299) $ (1,149) $ (3,448)

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

($ in Thousands)

Interest Rate Risk(b)

As of 12/25 As of 03/26 As of 06/26

NPV post up 100 bps shock 10.7 % 10.6 % 11.0 %

NPV post down 100 bps shock 12.8 % 12.6 % 12.8 %

Change in NII after up 100 bps shock (0.2 %) (0.1 %) 0.9 %

Change in NII after down 100 bps shock 4.8 % 6.2 % 5.4 %

(b)Assumes no balance sheet management actions taken.

Historical CPR Rates (c)

Average for Quarter Ended: WAFD

SFR Mortgages WAFD

GSE MBS

6/30/2024 6.6 % 12.0 %

9/30/2024 8.6 % 12.9 %

12/31/2024 8.1 % 12.7 %

3/31/2025 8.1 % 9.1 %

6/30/2025 9.0 % 12.5 %

9/30/2025 7.5 % 13.7 %

12/31/2025 9.6 % 13.3 %

3/31/2026 8.1 % 12.9 %

6/30/2026 9.5 % 11.3 %

(c)The CPR Rate (conditional payment rate) is the rate that is equal to the proportion of the principal of a pool of loans that is paid off prematurely in each period.

Balance

Cumulative Maturity/Repricing Through1:

June 30, 2026 Fixed Variable 3 Months 6 Months 12 Months 24 Months

Assets

Cash $ 676,467 — % 100 % $ 676,467 100 % $ 676,467 100 % $ 676,467 100 % $ 676,467 100 %

Investments 5,048,524 52 % 48 % 1,944,367 39 % 1,954,931 39 % 1,965,100 39 % 1,978,638 39 %

Loans 20,232,707 48 % 52 % 7,963,909 39 % 8,434,133 42 % 9,640,792 48 % 10,557,127 52 %

$ 25,957,698 $ 10,584,743 41 % $ 11,065,531 43 % $ 12,282,359 47 % $ 13,212,232 51 %

Liabilities

Deposits $ 20,932,075 39 % 61 % $ 14,986,524 72 % $ 18,119,795 87 % $ 20,294,759 97 % $ 20,498,334 98 %

Borrowings 3,315,697 98 % 2 % 1,697,338 51 % 1,947,136 59 % 1,947,136 59 % 1,947,136 59 %

$ 24,247,772 $ 16,683,862 69 % $ 20,066,931 83 % $ 22,241,895 92 % $ 22,445,470 93 %

1Includes the effect of derivatives.

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

Average Balance Sheet

($ in Thousands)

Quarter Ended

December 31, 2025 March 31, 2026 June 30, 2026

Average Balance Interest Average Rate Average Balance Interest Average Rate Average Balance Interest Average Rate

Assets

Loans receivable $ 19,919,355 $ 264,206 5.26 % $ 19,916,014 $ 262,148 5.34 % $ 20,067,639 $ 267,243 5.34 %

Mortgage-backed securities 3,649,588 38,902 4.23 4,163,644 44,341 4.32 4,261,449 46,569 4.38

Cash & investments 1,443,462 17,290 4.75 1,410,981 15,711 4.52 1,379,508 15,147 4.40

FHLB Stock 104,133 2,097 7.99 135,738 2,534 7.57 163,777 3,166 7.75

Total interest-earning assets 25,116,538 322,495 5.09 % 25,626,377 324,734 5.14 % 25,872,373 332,125 5.15 %

Other assets 1,735,851 1,724,237 1,739,536

Total assets $ 26,852,389 $ 27,350,614 $ 27,611,909

Liabilities and Shareholders' Equity

Interest-bearing customer accounts $ 18,676,059 136,214 2.89 % $ 18,515,826 125,999 2.76 % $ 18,218,857 123,079 2.71 %

Borrowings 2,174,736 15,171 2.77 2,877,764 21,165 2.98 3,502,129 27,708 3.17

Total interest-bearing liabilities 20,850,795 151,385 2.88 % 21,393,590 147,164 2.79 % 21,720,986 150,787 2.78 %

Noninterest-bearing customer accounts 2,636,122 2,603,558 2,604,805

Other liabilities 331,539 319,343 277,991

Total liabilities 23,818,456 24,316,491 24,603,782

Shareholders’ equity 3,033,933 3,034,123 3,008,370

Total liabilities and equity $ 26,852,389 $ 27,350,614 $ 27,612,152

Net interest income/interest rate spread $ 171,110 2.21 % $ 177,570 2.35 % $ 181,338 2.36 %

Net interest margin(1)

2.70 % 2.81 % 2.81 %

(1)Annualized net interest income divided by average interest-earning assets

WaFd Fact Sheet Q3 2026

Exhibit 99.2 WaFd Inc. Announces Third Quarter 2026 Results

WaFd, Inc.

Fact Sheet

June 30, 2026

Delinquency Summary

($ in Thousands)

# of Loans

Type of Loans #Loans AVG Size Loans

Amortized

Cost 30 60 90 Total % Based on # $ Delinquent % Based on $

June 30, 2026

Multi-Family 1,828 2,542 $ 4,645,902 — 3 12 15 0.82 % $ 35,928 0.77 %

Commercial Real Estate 1,193 3,039 3,626,043 2 2 — 4 0.34 10,032 0.28

Commercial & Industrial 6,265 495 3,101,192 5 11 24 40 0.64 63,938 2.06

Construction 350 2,903 1,015,908 — — — — — — —

Land - Acquisition & Development 88 2,105 185,232 — — — — — — —

Single-Family Residential 19,601 371 7,268,163 41 15 66 122 0.62 37,399 0.51

Construction - Custom 17 966 16,417 — — 2 2 11.76 892 5.43

Land - Consumer Lot Loans 755 95 71,982 1 1 4 6 0.79 596 0.83

HELOC 3,810 65 247,584 13 5 6 24 0.63 2,593 1.05

Consumer 5,298 10 54,284 30 19 52 101 1.91 573 1.06

39,205 516 $ 20,232,707 92 56 166 314 0.80 % $ 151,951 0.75 %

March 31, 2026

Multi-Family 1,850 2,526 $ 4,672,599 14 1 10 25 1.35 % $ 48,153 1.03 %

Commercial Real Estate 1,224 2,984 3,652,683 3 — 2 5 0.41 2,692 0.07

Commercial & Industrial 6,237 448 2,791,133 58 14 15 87 1.39 62,239 2.23

Construction 355 2,696 956,957 — — — — — — —

Land - Acquisition & Development 83 2,031 168,566 — — — — — — —

Single-Family Residential 20,019 375 7,501,331 41 11 79 131 0.65 39,929 0.53

Construction - Custom 48 810 38,867 1 — 1 2 4.17 892 2.30

Land - Consumer Lot Loans 787 98 76,763 — — 5 5 0.64 325 0.42

HELOC 3,951 65 255,352 12 4 7 23 0.58 1,895 0.74

Consumer 5,309 10 54,682 32 25 41 98 1.85 590 1.08

39,863 506 $ 20,168,933 161 55 160 376 0.94 % $ 156,715 0.78 %

December 31, 2025

Multi-Family 1,851 2,494 $ 4,617,085 12 3 7 22 1.19 % $ 37,609 0.81 %

Commercial Real Estate 1,226 2,894 3,547,626 1 2 6 9 0.73 66,631 1.88

Commercial & Industrial 5,844 432 2,524,486 40 8 13 61 1.04 60,799 2.41

Construction 374 2,791 1,043,910 1 — 1 2 0.53 3,673 0.35

Land - Acquisition & Development 87 1,684 146,548 — — — — — — —

Single-Family Residential 20,355 379 7,709,942 45 16 67 128 0.63 40,712 0.53

Construction - Custom 89 656 58,371 — — 2 2 2.25 2,055 3.52

Land - Consumer Lot Loans 827 100 82,490 2 2 4 8 0.97 415 0.50

HELOC 4,053 65 264,462 14 4 4 22 0.54 2,090 0.79

Consumer 6,954 8 52,775 35 19 36 90 1.29 406 0.77

41,660 481 $ 20,047,695 150 54 140 344 0.83 % $ 214,390 1.07 %

WaFd Fact Sheet Q3 2026

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