Form 8-K

8-K — WAFD INC

Accession: 0000936528-26-000069

Filed: 2026-10-16

Period: 2026-10-15

CIK: 0000936528

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — wfsl-20261015.htm (Primary)

EX-99.1 (exhibit991_sep2026earnings.htm)

EX-99.2 (exhibit992_sep2026factsheet.htm)

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8-K

8-K (Primary)

Filename: wfsl-20261015.htm · Sequence: 1

wfsl-20261015

0000936528False00009365282026-10-152026-10-150000936528us-gaap:CommonStockMember2026-10-152026-10-150000936528us-gaap:SeriesAPreferredStockMember2026-10-152026-10-15

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): October 15, 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

____________________________________

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

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 2.02 Results of Operations and Financial Condition

On October 15, 2026, the Company announced by press release its earnings for the quarter and fiscal year ended September 30, 2026. A copy of the press release is attached to this filing as Exhibit 99.1. A copy of the September 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

(a) Not applicable

(b) Not applicable

(d) The following exhibits are being furnished herewith:

99.1 Press release dated October 15, 2026

99.2 Fact Sheet as of September 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.

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, 2023 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, high unemployment rates, inflationary pressures, a potential recession, the monetary policies of the Federal Reserve, and slowdowns in economic growth; (iii) risks related to the integration of the operations of Luther Burbank Corporation; (iv) financial stress on borrowers (consumers and businesses) as a result of higher interest rates or an uncertain economic environment; (v) changes in deposit flows or loan demands; (vi) the impact of bank failures or adverse developments at other banks and related negative press about regional banks and the banking industry in general; (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) 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; (ix) litigation risks resulting in significant expenses, losses and reputational damage; (x) our ability to identify and address cyber-security risks, including security breaches, “denial of service attacks,” “hacking” and identity theft; and (xi) other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing, products and services; (xv) the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement between WaFd and EverBank, (xvi) the timing and completion of the transaction between WaFd and EverBank, including the possibility that the proposed transaction will not close when expected or at all because required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis or at all, or are obtained subject to conditions that are not anticipated; (xvii) the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies; (xviii) the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events, and (xix) the outcome of any legal proceedings that may be instituted against WaFd or EverBank, including potential litigation that may be instituted against WaFd or its directors or officers related to the proposed transaction or the definitive merger agreement between WaFd and EverBank.

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.

October 16, 2026 WASHINGTON FEDERAL, INC.

By: /s/ KELLI J. HOLZ

Kelli J. Holz

Executive Vice President

and Chief Financial Officer

EX-99.1

Filename: exhibit991_sep2026earnings.htm · Sequence: 2

Document

Exhibit 99.1

Thursday, October 15, 2026

FOR IMMEDIATE RELEASE

WaFd Announces Fiscal 2026 Earnings and 22% Increase in EPS

Fiscal Year Highlights

$256 Million $3.21 0.94% 10.68%

Net Income Diluted Earnings per Common Share Return on Average Assets

Return on Tangible Common Equity (1)

Fourth Quarter Highlights

$60 Million $0.76 0.87% 9.85%

Net Income Diluted Earnings per Common Share Return on Average Assets

Return on Tangible Common Equity (1)

We are pleased to report the results for our fiscal year end 2026, including increasing earnings per share by 22%, increasing our transaction deposit balances by 4.6%, and growing our active loan segments by 7.9% along with seeing significant improvements in asset quality measures. Specifically, both non-performing assets and delinquencies decreased by 37% since the June 30th quarter end. Asset quality measures improved primarily through the resolution of a large previously classified loan during the quarter resulting in a $36 million charge-off. Our balance sheet strength and resiliency were demonstrated this quarter, allowing us to handle the classified loan, while still delivering meaningful improvement in earnings to shareholders. In spite of the recent surge in interest rates to their highest level in the last twenty years, with the 10 year bond at levels above 5.20%, WaFd is well positioned to benefit from rising rates as our assets are expected to reprice more quickly than our liabilities resulting in expansion of our margin over the short term. "

Brent Beardall

President and CEO of WaFd Bank

Net Interest Income and NIM

■$182.4 million net interest income for the quarter compared to $181.3 million in Q3.

■Net interest margin at 2.81% for the quarter compared to 2.81% for Q3.

Credit Quality

■Non-performing assets down $57 million at 0.32% of total assets compared to 0.49% as of June 2026.

■Delinquencies down $56 million to 0.50% of total loans compared to 0.75% as of June 2026.

■Net Charge-offs of $39 million taken in Q4.

Non-Interest Income and Expense

■Non-interest income up $13.9 million compared to Q3 due to SFR loan sale.

■Non-interest expense up $11.2 million compared to Q3 due to strategic investments and merger related expenses.

■Efficiency ratio increased to 55.12% as a result.

Shareholder Returns and Stock Activity

■On September 4, 2026, the Company paid a cash dividend of $0.27 per share, 174th consecutive quarterly dividend paid.

■EverBank Merger announced on September 7, 2026

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

Quarterly Earnings Release Q4 2026

WaFd Inc. Announces Annual and Fourth Quarter Results

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

As of

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

BALANCE SHEET

Cash $ 749,696 $ 676,467 $ 669,799 $ 734,915 $ 657,310

Loans receivable, net 19,041,263 20,017,876 19,966,983 19,848,156 20,088,618

Allowance for credit losses ("ACL") 214,594 233,831 224,450 221,039 221,220

Loans held for sale 428,944 — — — —

Available-for-sale securities, at fair value 4,048,405 4,190,263 4,352,258 4,142,285 3,533,201

Held-to-maturity securities, at amortized cost 886,881 858,261 745,727 764,794 645,802

Total investments 4,935,286 5,048,524 5,097,985 4,907,079 4,179,003

Total assets 27,230,636 27,596,970 27,568,785 27,285,744 26,699,699

Transaction deposits 12,875,849 12,745,791 12,746,921 12,865,974 12,306,532

Time deposits 8,445,118 8,186,284 8,377,230 8,550,996 9,131,104

Total deposits 21,320,967 20,932,075 21,124,151 21,416,970 21,437,636

Borrowings, senior debt and junior subordinated debentures 2,545,972 3,315,697 3,114,548 2,488,411 1,817,249

Total shareholders' equity 3,000,469 3,022,569 2,981,283 3,029,407 3,039,575

Loans to customer deposits2

89.31 % 95.63 % 94.52 % 92.67 % 93.71 %

PROFITABILITY

Net income $ 59,991 $ 66,130 $ 65,548 $ 64,196 $ 60,597

Net income to common shareholders 56,335 62,474 61,892 60,540 56,941

Earnings per common share 0.76 0.84 0.82 0.79 0.72

Return on tangible common equity1

9.85 % 11.04 % 10.82 % 10.57 % 9.99 %

Return on tangible assets1

0.89 % 0.97 % 0.97 % 0.97 % 0.93 %

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

Efficiency ratio 55.12 % 53.69 % 55.66 % 55.25 % 56.82 %

FINANCIAL HIGHLIGHTS

Common shareholders' equity per share $ 36.48 $ 36.81 $ 36.30 $ 35.70 $ 35.04

Tangible common shareholders' equity per share1

30.51 30.82 30.27 29.91 29.38

Shareholders' equity to total assets 11.02 % 10.95 % 10.81 % 11.10 % 11.38 %

Tangible shareholders' equity to tangible assets1

9.55 % 9.50 % 9.35 % 9.64 % 9.89 %

Common shares outstanding 74,016,318 73,954,133 73,855,919 76,448,351 78,186,520

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

CREDIT QUALITY2

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

Non-accrual loans to net loans 0.40 % 0.64 % 0.62 % 0.96 % 0.64 %

Delinquencies to net loans 0.50 % 0.75 % 0.78 % 1.07 % 0.60 %

Non-performing assets to total assets 0.32 % 0.49 % 0.48 % 0.75 % 0.54 %

Total criticized loans to net loans 4.66 % 4.93 % 4.24 % 4.60 % 4.39 %

Total adversely classified loans to net loans 2.56 % 2.59 % 2.60 % 2.94 % 3.16 %

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

(2)Metrics include only loans held for investment. Loans held for sale are not included.

Quarterly Earnings Release Q4 2026

WaFd Inc. Announces Annual and Fourth Quarter Results

SEATTLE, WASHINGTON – WaFd, Inc. (Nasdaq: WAFD) (the "Company"), parent company of WaFd Bank (the "Bank"), today announced quarterly earnings of $59,991,000, a decrease of 9% compared to the quarter ended June 30, 2026. After the effect of dividends on preferred stock, net income available for common shareholders was $0.76 per diluted share for the quarter ended September 30, 2026 compared to $0.84 the prior quarter.

Annual earnings were $255,865,000 for fiscal year ended September 30, 2026, an increase of 13% from earnings of $226,068,000 for the year ended September 30, 2025. After the effect of dividends on preferred stock, net income available for common shareholders was $3.21 per diluted share for the year ended September 30, 2026, compared to $2.63 per diluted share for the year ended September 30, 2025, a $0.58 or 22% increase in fully diluted earnings per common share.

Balance Sheet Total assets increased to $27.2 billion as of September 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 $0.8 billion, or 18.1% in the year ended September 30, 2026, a result of the $1.4 billion in purchases, primarily discount-priced 30-year mortgage backed securities at an expected yield to maturity of 5%. Net loans decreased $1.0 billion to $19.0 billion as a result of loan sale related activity. The Company sold $543 million of single-family residential loans during the September quarter and has entered into an agreement to sell $429 million of multifamily loans in the first quarter of fiscal 2027. These multifamily loans have been reclassified as Held for Sale as of September 30, 2026. We expect to realize a net gain of approximately $7 million when the sale is finalized.

Customer deposits totaled $21.3 billion as of September 30, 2026, compared to $21.4 billion at September 30, 2025. The effective weighted average interest rate, including non-interest bearing deposits, was 2.49% as of September 30, 2026, compared to 2.60% at September 30, 2025. Transaction accounts increased by $569 million or 4.6% during the period, while time deposits decreased $686 million or 7.5%. As of September 30, 2026, 60.4% of the Company’s deposits were transaction accounts, a slight increase from 57.4% at September 30, 2025. Core deposits, defined as all transaction accounts and time deposits less than $250,000, totaled 81.8% of deposits at September 30, 2026, up from 77.9% on September 30, 2025. Deposits that are uninsured or not collateralized were 25.7% of total deposits as of September 30, 2026, a small increase from 24.7% as of September 30, 2025.

Borrowings totaled $2.5 billion as of September 30, 2026, up from $1.8 billion at September 30, 2025. The effective weighted average interest rate of borrowings was 3.0% as of September 30, 2026, compared to 2.5% at September 30, 2025.

Loan originations for active loan types totaled $5.5 billion for fiscal year 2026, compared to $4.0 billion of originations in fiscal year 2025. Offsetting loan originations in each year were loan repayments of $3.9 billion and $5.1 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 $1.1 billion during fiscal 2026. Commercial loans represented 95% of all loan originations during fiscal 2026 and consumer loans accounted for the remaining 5%. The period end interest yield on the loan portfolio was 5.44% as of September 30, 2026, an increase from 5.38% as of September 30, 2025.

Tangible common equity per share is a key metric for our management team. For the year ended September 30, 2026, tangible common equity per share grew from $29.38 as of September 30, 2025 to $30.51 at September 30, 2026. This metric is a non-GAAP Financial Measure. See page 9 for additional information on our use of non-GAAP Financial Measures. During the year, the Company repurchased 4,703,844 shares of common stock at a weighted average price of $31.00. Our share repurchase plan currently has an authorization of 7,992,669 shares.

Credit Quality Considering the shifting economic and monetary environment, further impacted by on-going global developments, credit quality continues to be monitored closely. Asset quality metrics improved as of September 30, 2026, primarily a result of a $53 million loan relationship being resolved during the quarter resulting in a $36 million charge-off. Non-performing assets decreased to $86 million, or 0.32% of total assets, from $136 million, or 0.49%, at June 30, 2026 and from $143 million, or 0.54%, at September 30, 2025. Non-accrual loans decreased by $52 million, or 40%, compared to June 30 2026 and by $53 million, or 40.95%, since September 30, 2025. Delinquent loans decreased to 0.50% of total loans at September 30, 2026, compared to 0.75% at June 30, 2026 and 0.60% at September 30, 2025.

The allowance for credit losses (including the reserve for unfunded commitments) totaled $215 million as of September 30, 2026, and was 1.04% of gross loans outstanding, as compared to 1.08% and 1.04% of gross loans outstanding as of June 30, 2026 and September 30, 2025, respectively. The decrease compared to the prior quarter was the result of improved outlook on credit quality combined with a reduction in adversely classified loans. Net charge-offs were $39.2 million for the quarter ended September 30, 2026 compared to $1.6 million the prior quarter. Net charge-offs were $45.1 million for fiscal year 2026, compared to $11.8 million for fiscal 2025.

Quarterly Earnings Release Q4 2026

WaFd Inc. Announces Annual and Fourth Quarter Results

Profitability Net interest income was $182.4 million for the fourth fiscal quarter of 2026, a small increase of $1 million or 0.6% from the prior quarter. This minor change was the result of a flat net interest margin. Net interest margin was 2.81% in the fourth fiscal quarter 2026, the same as the quarter ended June 30, 2026.

Total non-interest income was $38.1 million for the fourth fiscal quarter of 2026 compared to $24.2 million the prior quarter. The increase was primarily driven by a $16.4 million gain on the sale of single family loans during the quarter. This gain was partially offset by the quarter-over-quarter reduction in non-interest income attributable to the $3 million gain on the sale of bank real estate recognized in the third quarter.

Total non-interest expense was $121.5 million for the fourth fiscal quarter of 2026, an increase of $11.2 million, or 10.1%, from the prior quarter. This was the result of continued investments in our people and technologies combined with $6 million in merger related costs incurred during the fourth quarter. The Company’s efficiency ratio increased in the fourth fiscal quarter of 2026 to 55.12%, compared to 53.69% in the prior quarter as a result of the increase in expenses related to the merger.

The Company recorded a $20.0 million provision for credit losses for the quarter ended September 30, 2026 compared to a provision of $11.0 million the prior quarter. The provision for loan losses for the fourth fiscal quarter of 2026 was the result of growth in the active loan portfolio and increased charge-offs during the quarter.

Income tax expense totaled $17.1 million for the fourth fiscal quarter of 2026, as compared to $18.2 million for the prior quarter. The effective tax rate for the quarter ended September 30, 2026 was 22.17% compared to 21.60% for the quarter ended June 30, 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 7:00am PDT on Friday October 16, 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/BI55bf810431ac4687be8738dd899c7d6d). The Company uses its website to distribute financial and other material information about the Company.

# # #

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(UNAUDITED)

September 30, 2026 September 30, 2025

(In thousands, except share and ratio data)

ASSETS

Cash and cash equivalents $ 749,696 $ 657,310

Available-for-sale securities, at fair value 4,048,405 3,533,201

Held-to-maturity securities, at amortized cost 886,881 645,802

Loans receivable, net of allowance for loan losses of $199,594 and $199,720 19,041,263 20,088,618

Loans held for sale 428,944 —

Interest receivable 101,923 98,589

Premises and equipment, net 291,695 261,271

Real estate owned 10,202 11,084

FHLB stock 122,568 88,068

Bank owned life insurance 383,934 275,159

Intangible assets, including goodwill of $418,447 and $414,722 441,958 442,093

Federal and state income tax assets, net 127,425 112,784

Other assets 595,742 485,720

$ 27,230,636 $ 26,699,699

LIABILITIES AND SHAREHOLDERS’ EQUITY

Liabilities

Transaction deposits $ 12,875,849 $ 12,306,532

Time deposits 8,445,118 9,131,104

Total customer deposits 21,320,967 21,437,636

Borrowings 2,493,400 1,765,604

Junior subordinated debentures 52,572 51,645

Advance payments by borrowers for taxes and insurance 61,099 59,845

Accrued expenses and other liabilities 302,129 345,394

24,230,167 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; 154,928,571 and 154,408,001 shares issued; 74,016,318 and 78,186,520 shares outstanding 154,929 154,408

Additional paid-in capital 2,179,512 2,163,276

Accumulated other comprehensive income (loss), net of taxes (14,781) 56,950

Treasury stock, at cost; 80,912,253 and 76,221,481 shares (1,886,265) (1,740,761)

Retained earnings 2,267,074 2,105,702

3,000,469 3,039,575

$ 27,230,636 $ 26,699,699

Yield and margin as of period end

Loans receivable1

5.44 % 5.38 %

Mortgage-backed securities 4.52 4.44

Combined cash, investments and FHLB stock 4.23 4.96

Interest-earning assets 5.21 5.23

Interest-bearing customer accounts 2.85 2.95

Borrowings1

2.97 2.50

Interest-bearing liabilities 2.87 2.91

Net interest spread 2.34 2.32

Net interest margin 2.81 2.82

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

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three months ended September 30, Twelve months ended September 30,

2026 2025 2026 2025

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable $ 270,935 $ 271,787 $ 1,064,533 $ 1,119,937

Mortgage-backed securities 47,463 32,953 177,275 103,071

Investment securities and cash equivalents 18,095 21,794 74,040 116,441

336,493 326,534 1,315,848 1,339,449

INTEREST EXPENSE

Customer accounts 129,921 143,874 515,213 604,707

Borrowings, and junior subordinated debentures 24,219 12,754 88,263 80,507

154,140 156,628 603,476 685,214

Net interest income 182,353 169,906 712,372 654,235

Provision (release) for credit losses 20,000 3,000 38,500 7,750

Net interest income after provision (release) 162,353 166,906 673,872 646,485

NON-INTEREST INCOME

Gain on sale of investment securities — — 112 20

Gain on termination of hedging derivatives (19) 32 419 158

Gain on sale of loans 16,412 — 16,412 0

Loan fee income 2,731 2,081 8,482 6,888

Deposit fee income 8,253 7,959 31,927 29,650

Other income 10,707 8,319 44,978 34,531

Total non-interest income 38,084 18,391 102,330 71,247

NON-INTEREST EXPENSE

Compensation and benefits 59,985 56,028 228,694 222,146

Occupancy 13,064 10,895 47,787 44,937

FDIC insurance premiums 6,360 4,400 22,352 20,200

Product delivery 6,370 6,558 27,121 25,871

Information technology 17,441 16,406 63,901 60,101

Other expense 18,275 12,706 57,552 54,208

Total non-interest expense 121,495 106,993 447,407 427,463

Gain (loss) on real estate owned, net (1,863) (681) (1,260) (627)

Income before income taxes 77,079 77,623 327,535 289,642

Income tax provision 17,088 17,026 71,670 63,574

Net income 59,991 60,597 255,865 226,068

Dividends on preferred stock 3,656 3,656 14,625 14,625

Net income available to common shareholders $ 56,335 $ 56,941 $ 241,240 $ 211,443

PER SHARE DATA

Basic earnings per common share $ 0.76 $ 0.73 $ 3.21 $ 2.64

Diluted earnings per common share 0.76 0.72 3.21 2.63

Cash dividends per common share 0.27 0.27 1.08 1.07

Basic weighted average shares outstanding 74,001,170 78,509,472 75,091,220 80,184,395

Diluted weighted average shares outstanding 74,157,143 78,573,457 75,198,789 80,255,189

PERFORMANCE RATIOS

Return on average assets 0.87 % 0.91 % 0.94 % 0.84 %

Return on average common equity 8.25 % 8.36 % 8.85 % 7.75 %

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended

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

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable $ 270,935 $ 267,243 $ 262,148 $ 264,207 $ 271,787

Mortgage-backed securities 47,463 46,569 44,341 38,902 32,953

Investment securities and cash equivalents 18,095 18,313 18,245 19,387 21,794

336,493 332,125 324,734 322,496 326,534

INTEREST EXPENSE

Customer accounts 129,921 123,079 125,999 136,214 143,874

Borrowings and junior subordinated debentures 24,219 27,708 21,165 15,171 12,754

154,140 150,787 147,164 151,385 156,628

Net interest income 182,353 181,338 177,570 171,111 169,906

Provision for credit losses 20,000 11,000 4,000 3,500 3,000

Net interest income after provision 162,353 170,338 173,570 167,611 166,906

NON-INTEREST INCOME

Gain on sale of investment securities — 112 — — —

Gain on termination of hedging derivatives (19) (12) 426 24 32

Gain on sale of loans 16,412 — — — —

Loan fee income 2,731 2,181 2,216 1,354 2,081

Deposit fee income 8,253 8,142 7,674 7,858 7,959

Other income 10,707 13,755 9,497 11,019 8,319

Total non-interest income 38,084 24,178 19,813 20,255 18,391

NON-INTEREST EXPENSE

Compensation and benefits 59,985 57,399 57,120 54,190 56,028

Occupancy 13,064 11,842 11,711 11,170 10,895

FDIC insurance premiums 6,360 5,542 5,050 5,400 4,400

Product delivery 6,370 7,067 7,110 6,574 6,558

Information technology 17,441 16,157 15,919 14,384 16,406

Other expense 18,275 12,327 12,947 14,003 12,706

Total non-interest expense 121,495 110,334 109,857 105,721 106,993

Gain (loss) on real estate owned, net (1,863) 167 280 156 (681)

Income before income taxes 77,079 84,349 83,806 82,301 77,623

Income tax provision 17,088 18,219 18,258 18,105 17,026

Net income 59,991 66,130 65,548 64,196 60,597

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

Net income available to common shareholders $ 56,335 $ 62,474 $ 61,892 $ 60,540 $ 56,941

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended

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

(In thousands, except share and ratio data)

PER SHARE DATA

Basic earnings per common share $ 0.76 $ 0.85 $ 0.82 $ 0.79 $ 0.73

Diluted earnings per common share 0.76 0.84 0.82 0.79 0.72

Cash dividends per common share 0.27 0.27 0.27 0.27 0.27

Basic weighted average shares outstanding 74,001,170 73,901,725 75,487,399 76,969,729 78,509,472

Diluted weighted average shares outstanding 74,157,143 74,046,838 75,574,228 77,015,554 78,573,457

PERFORMANCE RATIOS

Return on average assets 0.87 % 0.96 % 0.96 % 0.96 % 0.91 %

Return on average common equity 8.25 9.23 9.05 8.86 8.36

Net interest margin 2.81 2.81 2.81 2.70 2.71

Efficiency ratio 55.12 53.69 55.66 55.25 56.82

Quarterly Earnings Release Q4 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 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 September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

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

Shareholders' equity - GAAP $ 3,000,469 $ 3,022,569 $ 2,981,283 $ 3,029,407 $ 3,039,575

Less intangible assets - GAAP 441,958 443,670 445,511 443,085 442,093

Tangible shareholders' equity $ 2,558,511 $ 2,578,899 $ 2,535,772 $ 2,586,322 $ 2,597,482

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

Tangible common shareholders' equity $ 2,258,511 $ 2,278,899 $ 2,235,772 $ 2,286,322 $ 2,297,482

Total assets - GAAP $ 27,230,636 $ 27,596,970 $ 27,568,785 $ 27,285,744 $ 26,699,699

Less intangible assets - GAAP 441,958 443,670 445,511 443,085 442,093

Tangible assets $ 26,788,678 $ 27,153,300 $ 27,123,274 $ 26,842,659 $ 26,257,606

Tangible Metrics

Common shares outstanding - GAAP 74,016,318 73,954,133 73,855,919 76,448,351 78,186,520

Tangible common equity per share $ 30.51 $ 30.82 $ 30.27 $ 29.91 $ 29.38

Tangible equity to tangible assets 9.55 % 9.50 % 9.35 % 9.64 % 9.89 %

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

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

(Unaudited - In thousands, except for ratio data)

Average shareholders' equity - GAAP $ 3,030,562 $ 3,008,370 $ 3,034,123 $ 3,033,933 $ 3,023,098

Less average preferred stock

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

Less average intangible assets - GAAP 442,951 444,665 445,155 442,226 443,382

Average tangible common equity $ 2,287,611 $ 2,263,705 $ 2,288,968 $ 2,291,707 $ 2,279,716

Average Assets - GAAP $ 27,555,960 $ 27,612,152 $ 27,350,614 $ 26,852,389 $ 26,540,782

Less average intangible assets - GAAP 442,951 444,665 445,155 442,226 443,382

Average tangible assets $ 27,113,009 $ 27,167,487 $ 26,905,459 $ 26,410,163 $ 26,097,400

Average Tangible Metrics

Net income - GAAP 59,991 66,130 65,548 64,196 60,597

Net income available to common shareholders - GAAP 56,335 62,474 61,892 60,540 56,941

Return on tangible common equity 9.85 % 11.04 % 10.82 % 10.57 % 9.99 %

Return on tangible assets 0.89 % 0.97 % 0.97 % 0.97 % 0.93 %

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Net Income Adjusted for Acquisition Expenses and Other Non-Operating Items

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

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

Non-interest income adjustments

(Gain)Loss on sale of branch property $ 22 $ (3,205) $ 27 $ (3,214) $ 467

Distribution received on LBC equity method investment (210) (225) (225) (237) (251)

(Gain)Loss on WaFd Bank equity method investment 422 (48) 1,072 408 (815)

Total non-interest income adjustments $ 234 $ (3,478) $ 874 $ (3,043) $ (599)

Non-interest expense adjustments

Merger-related expenses $ 6,168 $ — $ — $ — $ —

Total non-interest expense adjustments $ 6,168 $ — $ — $ — $ —

Net Income - GAAP $ 59,991 $ 66,130 $ 65,548 $ 64,196 $ 60,597

Non-interest income adjustments 234 (3,478) 874 (3,043) (599)

Non-interest expense adjustments 6,168 — — — —

REO adjustments 1,863 (167) (280) (156) 681

Income tax adjustment (1,832) 787 (129) 704 (18)

Net Income - non-GAAP $ 66,424 $ 63,272 $ 66,013 $ 61,701 $ 60,661

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

Net Income available to common shareholders - non-GAAP $ 62,768 $ 59,616 $ 62,357 $ 58,045 $ 57,005

Basic weighted average number of shares outstanding - GAAP 74,001,170 73,901,725 75,487,399 76,969,729 78,509,472

Diluted weighted average number of shares outstanding - GAAP 74,157,143 74,046,838 75,574,228 77,015,554 78,573,457

Basic EPS - non-GAAP $ 0.85 $ 0.81 $ 0.83 $ 0.75 $ 0.73

Diluted EPS - non-GAAP 0.85 0.81 0.83 0.75 0.73

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

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

(Unaudited - In thousands, except for ratio data)

Efficiency ratio - GAAP 55.1 % 53.7 % 55.7 % 55.3 % 56.8 %

Net interest income - GAAP $ 182,353 $ 181,338 $ 177,570 $ 171,111 $ 169,906

Total interest income adjustments — — — — —

Net interest income - non-GAAP $ 182,353 $ 181,338 $ 177,570 $ 171,111 $ 169,906

Non-interest expense - GAAP $ 121,495 $ 110,334 $ 109,857 $ 105,721 $ 106,993

Less merger related expenses 6,168 — — — —

Non-interest Expenses -

non-GAAP $ 115,327 $ 110,334 $ 109,857 $ 105,721 $ 106,993

Non-interest income - GAAP $ 38,084 $ 24,178 $ 19,813 $ 20,255 $ 18,391

Total other income adjustments 234 (3,478) 874 (3,043) (599)

Non-interest income -

non-GAAP $ 38,318 $ 20,700 $ 20,687 $ 17,212 $ 17,792

Net Interest Income -

non-GAAP $ 182,353 $ 181,338 $ 177,570 $ 171,111 $ 169,906

Non-interest income -

non-GAAP 38,318 20,700 20,687 17,212 17,792

Total Income - non-GAAP $ 220,671 $ 202,038 $ 198,257 $ 188,323 $ 187,698

Adjusted Efficiency Ratio 52.3 % 54.6 % 55.4 % 56.1 % 57.0 %

Quarterly Earnings Release Q4 2026

WAFD, INC. AND SUBSIDIARIES

NON-GAAP MEASURES

(UNAUDITED)

Three Months Ended

Adjusted ROA and ROE September 30,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

(Unaudited - In thousands, except for ratio data)

Reported:

Net Income - GAAP $ 59,991 $ 66,130 $ 65,548 $ 64,196 $ 60,597

Net income available to common shareholders - GAAP $ 56,335 $ 62,474 $ 61,892 $ 60,540 $ 56,941

Average Assets 27,555,960 27,612,152 27,350,614 26,852,389 26,540,782

Return on Assets 0.87 % 0.96 % 0.96 % 0.96 % 0.91 %

Average Common Equity $ 2,730,562 $ 2,708,370 $ 2,734,123 $ 2,733,933 $ 2,723,098

Return on common equity 8.25 % 9.23 % 9.05 % 8.86 % 8.36 %

Adjusted:

Net Income - non-GAAP $ 66,424 $ 63,272 $ 66,013 $ 61,701 $ 60,661

Net income available to common shareholders - non-GAAP $ 62,768 $ 59,616 $ 62,357 $ 58,045 $ 57,005

Average Assets 27,555,960 27,612,152 27,350,614 26,852,389 26,540,782

Adjusted Return on Assets 0.96 % 0.92 % 0.97 % 0.92 % 0.91 %

Average Common Equity 2,730,562 2,708,370 2,734,123 2,733,933 2,723,098

Adjusted Return on common equity 9.19 % 8.80 % 9.12 % 8.49 % 8.37 %

Quarterly Earnings Release Q4 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; (xv) the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement between WaFd and EverBank, (xvi) the timing and completion of the transaction between WaFd and EverBank, including the possibility that the proposed transaction will not close when expected or at all because required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis or at all, or are obtained subject to conditions that are not anticipated; (xvii) the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies; (xviii) the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events, and (xix) the outcome of any legal proceedings that may be instituted against WaFd or EverBank, including potential litigation that may be instituted against WaFd or its directors or officers related to the proposed transaction or the definitive merger agreement between WaFd and EverBank.

# # #

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 Q4 2026

EX-99.2

Filename: exhibit992_sep2026factsheet.htm · Sequence: 3

Document

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

As of 03/26 As of 06/26 As of 09/26

Allowance for Credit Losses (ACL) - Total $ 224,450 $ 233,831 $ 214,594

ACL - Loans 201,950 214,831 199,594

ACL - Unfunded Commitments 22,500 19,000 15,000

Total ACL as a % of Gross Loans 1.05 % 1.08 % 1.04 %

Active Loan Types 03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD 09/26 QTR 09/26 YTD

Originations & Advances

Multi-Family $ 114,375 $ 246,180 $ 126,087 $ 372,267 $ 92,724 $ 464,991

Commercial Real Estate 229,982 353,421 144,484 497,905 269,283 767,188

Commercial & Industrial 564,961 1,067,095 740,817 1,807,912 596,685 2,404,597

Construction 533,444 809,813 406,686 1,216,499 320,555 1,537,053

Land - Acquisition & Development 37,748 56,398 38,505 94,903 44,786 139,689

Consumer 41,550 82,295 43,280 125,575 36,151 161,726

$ 1,522,060 $ 2,615,202 $ 1,499,859 $ 4,115,061 $ 1,360,184 $ 5,475,244

Repayments & Payoffs

Multi-Family $ 144,320 $ 314,210 $ 201,518 $ 515,728 $ 241,112 $ 756,840

Commercial Real Estate 132,833 324,429 209,236 533,665 128,180 661,845

Commercial & Industrial 297,043 668,831 423,451 1,092,282 438,761 1,531,043

Construction 230,260 450,322 144,673 594,995 141,670 736,665

Land - Acquisition & Development 18,473 38,454 16,281 54,735 9,963 64,698

Consumer 36,475 85,565 40,813 126,378 46,438 172,816

$ 859,404 $ 1,881,811 $ 1,035,972 $ 2,917,783 $ 1,006,124 $ 3,923,907

Inactive Loan Types

Originations & Advances

Single-Family Residential 30 30 4 34 — 34

Construction - Custom — — — — — —

Land - Consumer Lot Loans — — — — — —

HELOC 20,566 45,973 22,610 68,583 23,698 92,281

$ 20,596 $ 46,003 $ 22,614 $ 68,617 $ 23,698 $ 92,315

Repayments & Payoffs

Single-Family Residential 232,157 502,294 256,011 758,305 210,899 969,204

Construction - Custom 8,628 21,427 7,859 29,286 8,112 37,398

Land - Consumer Lot Loans 5,702 11,956 4,821 16,777 3,846 20,623

HELOC 29,496 61,534 30,202 91,736 26,218 117,954

$ 275,983 $ 597,211 $ 298,893 $ 896,104 $ 249,075 $ 1,145,179

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

Weighted Average Rate on Originations 6.22 % 6.31 % 6.58 %

Weighted Average Rate on Payoffs 6.12 % 6.06 % 5.96 %

Net Loan Fee Accretion $ 4,104 $ 7,371 $ 4,584 $ 11,955 $ 5,265 $ 17,220

Net Discount Accretion on Acquired Loans $ 5,764 $ 11,865 $ 7,166 $ 19,031 $ 6,327 $ 25,358

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

As of 03/26 As of 06/26 As of 09/26

Loans Receivable by Category1

Amount % Amount % Amount %

Multi-Family $ 4,750,092 22.2 % $ 4,721,719 21.8 % $ 4,147,922 20.1 %

Commercial Real Estate 3,670,285 17.2 3,642,259 16.8 3,791,832 18.3

Commercial & Industrial 2,798,568 13.1 3,110,005 14.4 3,176,017 15.4

Construction 1,955,180 9.1 2,144,343 9.9 2,295,087 11.1

Land - Acquisition & Development 197,044 0.9 219,267 1.0 254,090 1.2

Consumer 54,649 0.3 54,245 0.3 47,832 0.2

Total Active 13,425,818 62.6 13,891,838 64.2 13,712,780 66.3

Single-Family Residential 7,618,273 35.5 7,389,117 34.2 6,638,326 32.1

Construction - Custom 69,520 0.3 35,260 0.2 24,764 0.1

Land - Consumer Lot Loans 77,275 0.4 72,451 0.3 68,607 0.3

HELOC 252,319 1.3 244,726 1.1 242,206 1.2

Total Inactive 8,017,387 37.4 7,741,554 35.8 6,973,903 33.7

21,443,205 100 % 21,633,392 100 % 20,686,683 100 %

Less:

Loans in Process 1,063,129 1,186,436 1,217,726

Net Deferred Fees, Costs and Discounts 211,143 214,249 228,100

Loans at Amortized Cost 20,168,933 20,232,707 19,240,857

Less:

Allowance for Credit Losses (ACL) - Loans 201,950 214,831 199,594

Net Loans $ 19,966,983 $ 20,017,876 $ 19,041,263

Net Loan Portfolio by Category1

Amount % Amount % Amount %

Multi-Family $ 4,646,676 23.4 % $ 4,620,256 23.1 % $ 4,076,365 21.4 %

Commercial Real Estate 3,611,179 18.1 3,585,271 17.9 3,735,976 19.6

Commercial & Industrial 2,722,472 13.6 3,016,298 15.1 3,090,148 16.2

Construction 940,245 4.7 997,813 5.0 1,100,512 5.8

Land - Acquisition & Development 160,874 0.8 176,772 0.9 216,080 1.1

Consumer 51,876 0.3 51,422 0.3 45,373 0.2

Total Active 12,133,322 60.8 12,447,832 62.2 12,264,454 64.4

Single-Family Residential 7,467,652 37.4 7,238,660 36.2 6,455,588 33.9

Construction - Custom 38,565 0.2 16,289 0.1 12,494 0.1

Land - Consumer Lot Loans 74,942 0.3 70,275 0.3 66,545 0.3

HELOC 252,502 1.3 244,820 1.2 242,182 1.3

Total Inactive 7,833,661 39.2 7,570,044 37.8 6,776,809 35.6

$ 19,966,983 100 % $ 20,017,876 100 % $ 19,041,263 100 %

Loan Contractual Term to Maturity or Repricing1,2

Amount Rate Amount Rate Amount Rate

Within 3 months $ 7,186,683 6.57% $ 7,963,909 6.52% $ 8,260,305 6.44%

From 4 to 6 months 697,759 5.07 470,224 3.80 517,535 5.32

From 7 to 9 months 479,410 4.01 512,905 4.48 390,954 4.50

From 10 to 12 months 500,864 4.51 693,753 4.31 434,287 4.90

1 to 3 years 2,290,380 4.60 1,739,306 4.83 1,574,131 4.93

3 to 5 years 1,735,993 5.21 1,810,329 5.26 1,777,885 5.33

More than 5 years 7,277,844 4.18 7,042,281 4.20 6,285,759 4.20

Total $ 20,168,933 5.20 % $ 20,232,707 5.27 % $ 19,240,856 5.38 %

1Disclosures are specific to loans held for investment and exclude loans held for sale

2Includes the effect of derivatives.

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

As of 03/26 As of 06/26 As of 09/26

Loans by State1

Amount % Amount % Amount %

Washington $ 5,514,736 27.3 % $ 5,538,787 27.4 % $ 5,381,173 28.0 %

Idaho 897,510 4.4 940,568 4.6 962,964 5.0

Oregon 2,310,279 11.5 2,316,967 11.5 2,330,260 12.1

Utah 1,810,775 9.0 1,858,178 9.2 1,857,247 9.7

Nevada 794,031 3.9 800,934 4.0 785,594 4.1

Texas 2,472,011 12.3 2,396,012 11.8 2,394,003 12.4

Arizona 2,266,443 11.2 2,150,510 10.6 2,110,259 11.0

New Mexico 804,986 4.0 803,561 4.0 796,582 4.1

California 2,753,103 13.7 2,762,531 13.7 1,962,551 10.2

Other 545,059 2.7 664,659 3.3 660,223 3.4

Total $ 20,168,933 100 % $ 20,232,707 100 % $ 19,240,856 100 %

Non-Performing Assets1

Amount % Amount % Amount %

Non-accrual loans:

Multi-Family $ 34,385 27.7 % $ 34,249 26.9 % $ 38,095 50.3 %

Commercial Real Estate 4,682 3.8 3,114 2.4 3,053 4.0

Commercial & Industrial 54,728 44.2 65,741 51.5 11,509 15.2

Construction — — — — — —

Land - Acquisition & Development — — — — — —

Single-Family Residential 28,188 22.8 22,445 17.6 21,720 28.6

Construction - Custom 760 0.6 892 0.7 — —

Land - Consumer Lot Loans 325 0.3 239 0.2 239 0.3

HELOC 593 0.5 627 0.5 1,154 1.5

Consumer 198 0.2 262 0.2 186 0.2

Total non-accrual loans 123,859 100 % 127,569 100 % 75,956 100 %

Real Estate Owned 8,125 8,179 10,202

Other Property Owned — — —

Total non-performing assets $ 131,984 $ 135,748 $ 86,158

Non-accrual loans as % of total net loans 0.62 % 0.64 % 0.40 %

Non-performing assets as % of total assets 0.48 % 0.49 % 0.32 %

Net Charge-offs (Recoveries) by Category 3/26 QTR

CO % (a)

6/26 QTR

CO % (a)

9/26 QTR

CO % (a)

Multi-Family $ 81 0.01 % $ — — % $ 722 0.07 %

Commercial Real Estate (7) — 272 0.03 (8) —

Commercial & Industrial 124 0.02 600 0.08 36,478 4.59

Construction — — — — — —

Land - Acquisition & Development (7) (0.01) (6) (0.01) (5) (0.01)

Single-Family Residential 25 — (11) — 8 —

Construction - Custom (2) (0.01) (2) (0.02) (2) (0.03)

Land - Consumer Lot Loans — — — — — —

HELOC (1) — (1) — (1) —

Consumer 376 2.75 767 5.66 2,045 17.10

Total net charge-offs (recoveries) $ 589 0.01 % $ 1,619 0.03 % $ 39,237 0.76 %

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

1 Loan disclosures are specific to loans held for investment and exclude loans held for sale

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD 09/26 QTR 09/26 YTD

Efficiency

Operating Expenses/Average Assets 1.61 % 1.59 % 1.60 % 1.59 % 1.76 % 1.64 %

Efficiency Ratio (%) 55.66 % 55.45 % 53.69 % 54.84 % 55.12 % 54.92 %

Amortization of Intangibles $ 1,974 $ 4,032 $ 1,841 $ 5,873 $ 1,712 $ 7,585

EOP Numbers

Shares Issued and Outstanding 73,855,919 73,954,133 74,016,318

Share repurchase information

Remaining shares authorized for repurchase 7,992,669 7,992,669 7,992,669

Shares repurchased 2,738,096 4,688,109 8,806 4,696,915 6,929 4,703,844

Average share repurchase price $ 31.85 $ 30.98 $ 36.20 $ 30.99 $ 37.60 $ 31.00

Tangible Common Shareholders' Book Value As of 03/26 As of 06/26 As of 09/26

$ Amount $ 2,235,772 $ 2,278,899 $ 2,258,511

Per Share 30.27 30.82 30.51

# of Employees 2,070 2,055 2,014

Investments

Available-for-sale:

Agency MBS $ 3,478,537 $ 3,377,403 $ 3,267,135

Other 873,721 812,860 781,270

$ 4,352,258 $ 4,190,263 $ 4,048,405

Held-to-maturity:

Agency MBS $ 745,727 $ 858,261 $ 886,881

$ 745,727 $ 858,261 $ 886,881

03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD 09/26 QTR 09/26 YTD

MBS Repayments $ 107,198 $ 224,480 $ 124,611 $ 349,091 $ 106,433 $ 455,524

MBS Net Premium Amortization $ 4,076 $ 7,352 $ 4,569 $ 11,921 $ 4,329 $ 16,250

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

As of 03/26 As of 06/26 As of 09/26

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

Washington $ 8,504,298 40.3 % 73 $ 8,511,128 40.7 % 74 $ 8,831,835 41.4 % 74

Idaho 926,134 4.4 21 920,533 4.4 21 936,242 4.4 21

Oregon 2,827,773 13.4 36 2,723,445 13.0 36 2,658,696 12.5 36

Utah 558,689 2.6 9 544,563 2.6 9 537,020 2.5 9

Nevada 544,906 2.6 8 560,858 2.7 8 592,660 2.8 8

Texas 961,614 4.5 5 941,031 4.4 6 941,718 4.4 6

Arizona 1,671,233 7.9 28 1,647,667 7.9 28 1,647,285 7.7 28

New Mexico 1,799,259 8.5 18 1,844,266 8.8 18 2,007,166 9.4 18

California 3,330,245 15.8 10 3,238,584 15.5 10 3,168,345 14.9 10

Total $ 21,124,151 100 % 208 $ 20,932,075 100 % 210 $ 21,320,967 100 % 210

Deposits by Type Amount % Amount % Amount %

Non-Interest Checking $ 2,577,976 12.2 % $ 2,646,615 12.6 % $ 2,685,732 12.5 %

Interest Checking 5,151,103 24.4 4,991,715 23.9 5,022,143 23.6

Savings 726,630 3.5 712,829 3.4 740,799 3.5

Money Market 4,291,212 20.3 4,394,632 21.0 4,427,175 20.8

Time Deposits 8,377,230 39.6 8,186,284 39.1 8,445,118 39.6

Total $ 21,124,151 100 % $ 20,932,075 100 % $ 21,320,967 100 %

Deposits Uninsured &

Non-collateralized - EOP $ 5,333,317 25.2 % $ 5,326,972 25.4 % $ 5,483,559 25.7 %

Time Deposit Repricing Amount Rate Amount Rate Amount Rate

Within 3 months $ 4,207,471 3.68 % $ 2,240,734 3.44 % $ 3,182,588 3.52 %

From 4 to 6 months 2,025,605 3.41 % 3,133,271 3.52 % 2,474,530 3.70 %

From 7 to 9 months 1,224,586 3.42 % 1,289,517 3.61 % 1,199,081 3.56 %

From 10 to 12 months 536,210 3.19 % 885,477 3.38 % 1,231,201 3.85 %

1 to 3 years 373,016 2.95 % 627,076 3.49 % 348,568 3.38 %

3 to 5 years 10,342 0.32 % 10,209 0.31 % 9,150 0.31 %

Borrowings (Effective Maturity)1

Amount Rate Amount Rate Amount Rate

Within 3 months $ 1,425,000 3.85 % $ 1,645,000 3.86 % $ 1,125,000 4.01 %

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

From 7 to 9 months 150,000 3.81 % — — % — — %

From 10 to 12 months — — % — — % — — %

1 to 3 years 225,000 3.51 % 225,000 3.58 % 225,000 3.67 %

3 to 5 years 993,562 1.09 % 993,561 1.17 % 993,400 1.30 %

More than 5 years 202,107 4.48 % 202,338 4.52 % 202,572 4.53 %

1Includes junior subordinated debentures

03/26 QTR 03/26 YTD 06/26 QTR 06/26 YTD 09/26 QTR 09/26 YTD

Net Premium(Discount) Amortization on Acquired Deposits and Borrowings $ (1,137) $ (2,299) $ (1,149) $ (3,448) $ (422) $ (3,870)

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

($ in Thousands)

Interest Rate Risk(b)

As of 03/26 As of 06/26 As of 09/26

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

NPV post down 100 bps shock 12.6 % 12.8 % 12.4 %

Change in NII after up 100 bps shock (0.1 %) 0.9 % 4.0 %

Change in NII after down 100 bps shock 6.2 % 5.4 % 1.9 %

(b)Assumes no balance sheet management actions taken.

Historical CPR Rates (c)

Average for Quarter Ended: WAFD

SFR Mortgages WAFD

GSE MBS

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 %

9/30/2026 7.6 % 9.7 %

(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:

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

Assets

Cash $ 749,696 — % 100 % $ 749,696 100 % $ 749,696 100 % $ 749,696 100 % $ 749,696 100 %

Investments 4,935,286 51 % 49 % 1,935,311 39 % 2,007,732 41 % 2,023,048 41 % 2,029,555 41 %

Loans 19,240,856 50 % 50 % 8,371,946 44 % 8,952,728 47 % 9,771,498 51 % 10,264,074 53 %

$ 24,925,838 $ 11,056,953 44 % $ 11,710,156 47 % $ 12,544,242 50 % $ 13,043,325 52 %

Liabilities

Deposits $ 21,320,967 40 % 60 % $ 16,058,437 75 % $ 18,532,967 87 % $ 20,963,249 98 % $ 20,963,249 98 %

Borrowings 2,545,972 98 % 2 % 1,177,572 46 % 1,177,572 46 % 1,177,572 46 % 1,402,572 55 %

$ 23,866,939 $ 17,236,009 72 % $ 19,710,539 83 % $ 22,140,821 93 % $ 22,365,821 94 %

1Includes the effect of derivatives.

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

Average Balance Sheet

($ in Thousands)

Quarter Ended

March 31, 2026 June 30, 2026 September 30, 2026

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

Assets

Loans receivable $ 19,916,014 $ 262,148 5.34 % $ 20,067,639 $ 267,243 5.34 % $ 20,022,304 $ 270,935 5.37 %

Mortgage-backed securities 4,163,644 44,341 4.32 4,261,449 46,569 4.38 4,204,517 47,463 4.48

Cash & investments 1,410,981 15,711 4.52 1,379,508 15,147 4.40 1,329,914 13,953 4.16

FHLB Stock 135,738 2,534 7.57 163,777 3,166 7.75 146,142 4,142 11.24

Total interest-earning assets 25,626,377 324,734 5.14 % 25,872,373 332,125 5.15 % 25,702,877 336,493 5.19 %

Other assets 1,724,237 1,739,779 1,853,083

Total assets $ 27,350,614 $ 27,612,152 $ 27,555,960

Liabilities and Shareholders' Equity

Interest-bearing customer accounts $ 18,515,826 125,999 2.76 % $ 18,218,857 123,079 2.71 % $ 18,408,770 129,921 2.80 %

Borrowings 2,877,764 21,165 2.98 3,502,129 27,709 3.17 3,078,373 24,219 3.12

Total interest-bearing liabilities 21,393,590 147,164 2.79 % 21,720,986 150,788 2.78 % 21,487,143 154,140 2.85 %

Noninterest-bearing customer accounts 2,603,558 2,604,805 2,726,509

Other liabilities 319,343 277,991 311,746

Total liabilities 24,316,491 24,603,782 24,525,398

Shareholders’ equity 3,034,123 3,008,370 3,030,562

Total liabilities and equity $ 27,350,614 $ 27,612,152 $ 27,555,960

Net interest income/interest rate spread $ 177,570 2.35 % $ 181,337 2.36 % $ 182,353 2.35 %

Net interest margin(1)

2.81 % 2.81 % 2.81 %

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

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

Average Balance Sheet

($ in Thousands)

Year Ended

September 30, 2025 September 30, 2026

Average Balance Interest Average Rate Average Balance Interest Average Rate

Assets

Loans receivable $ 20,651,307 $ 1,119,937 5.42 % $ 19,981,452 $ 1,064,533 5.33 %

Mortgage-backed securities 2,514,511 103,071 4.10 4,068,760 177,275 4.36

Cash & investments 2,065,658 106,400 5.15 1,390,888 62,100 4.46

FHLB Stock 106,338 10,041 9.44 137,385 11,940 8.69

Total interest-earning assets 25,337,814 1,339,449 5.29 % 25,578,485 1,315,848 5.14 %

Other assets 1,718,680 1,763,513

Total assets $ 27,056,494 $ 27,341,998

Liabilities and Shareholders' Equity

Interest-bearing customer accounts 18,735,390 604,707 3.23 % $ 18,455,191 515,213 2.79 %

Borrowings 2,423,244 80,507 3.32 2,906,790 88,263 3.04

Total interest-bearing liabilities 21,158,634 685,214 3.24 % 21,361,981 603,476 2.83 %

Noninterest-bearing customer accounts 2,518,248 2,643,067

Other liabilities 352,673 310,193

Total liabilities 24,029,555 24,315,241

Shareholders’ equity 3,026,939 3,026,757

Total liabilities and equity $ 27,056,494 $ 27,341,998

Net interest income/interest rate spread $ 654,235 2.05 % $ 712,372 2.32 %

Net interest margin(1)

2.58 % 2.79 %

(1)Net interest income divided by average interest-earning assets

WaFd Fact Sheet Q4 2026

Exhibit 99.2 WaFd Inc. Announces Fourth Quarter 2026 Results

WaFd, Inc.

Fact Sheet

September 30, 2026

Delinquency Summary

($ in Thousands)

# of Loans

Type of Loans(1)

#Loans AVG Size Loans

Amortized

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

September 30, 2026

Multi-Family 1,797 2,280 $ 4,097,872 1 2 14 17 0.95 % $ 33,063 0.81 %

Commercial Real Estate 952 3,966 3,775,747 2 2 — 4 0.42 3,711 0.10

Commercial & Industrial 7,054 449 3,166,280 11 20 18 49 0.69 21,563 0.68

Construction 348 3,219 1,120,268 — — — — — — —

Land - Acquisition & Development 99 2,287 226,415 — — — — — — —

Single-Family Residential 18,728 346 6,480,733 37 17 60 114 0.61 33,899 0.52

Construction - Custom 9 1,399 12,591 — — — — — — —

Land - Consumer Lot Loans 724 94 68,162 1 2 3 6 0.83 541 0.79

HELOC 3,051 80 244,918 11 6 8 25 0.82 2,612 1.07

Consumer 4,439 11 47,870 27 56 38 121 2.73 665 1.39

37,201 517 $ 19,240,856 90 105 141 336 0.90 % $ 96,054 0.50 %

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 %

(1) Loan disclosures are specific to loans held for investment and exclude loans held for sale

WaFd Fact Sheet Q4 2026

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