Bank · FDIC insured
WaFd Bank
A $27.6B bank, the 79th largest of 4,207, headquartered in Seattle, WA, with 210 branches in 9 states. Best rates: CDs 4.10% and savings 3.82% APY.
WaFd Bank Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#18 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About WaFd Bank
Founded in 1917 as Ballard Savings and Loan Association in a community north of Seattle, Washington, WaFd Bank is headquartered in Seattle, Washington.
The bank is owned by its parent company, WaFd, Inc.
WaFd Bank operates more than 200 branches across nine western states: Arizona, California, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington.
The bank provides personal, business, and commercial banking services, and is an SBA Preferred lender.
- Headquarters
- 425 Pike St, Seattle, WA 98101
- FDIC certificate
- 28088 ↗
Branches
210 branches in 9 states
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Washington
75 branchesOregon
36 branchesArizona
28 branchesIdaho
21 branches
Boise City area · 9
- Boise Main Branch1001 W Idaho St, Boise, ID 83702Directions
- Boise Town Square Branch675 N Milwaukee St, Boise, ID 83704Directions
- Federal Way Branch3563 S Federal Way, Boise, ID 83705Directions
- Caldwell Branch515 Cleveland Blvd, Caldwell, ID 83605Directions
- Eagle Branch701 E State St, Eagle, ID 83616Directions
- Eagle & Ustick Branch3423 E Ustick Rd, Meridian, ID 83646Directions
- Meridian Branch575 E Franklin Rd, Meridian, ID 83642Directions
- Nampa Branch223 11th Ave S, Nampa, ID 83651Directions
- Nampa Marketplace Branch1460 Caldwell Blvd, Nampa, ID 83651Directions
Hailey area · 2
- Hailey Branch215 N Main St, Hailey, ID 83333Directions
- Ketchum Branch460 Sun Valley Rd, Ketchum, ID 83340Directions
Twin Falls area · 2
- Jerome Branch140 E Main St, Jerome, ID 83338Directions
- Twin Falls Branch494 Blue Lakes Blvd N, Twin Falls, ID 83301Directions
Blackfoot area · 1
- Blackfoot Branch280 W Judicial St, Blackfoot, ID 83221Directions
Idaho Falls area · 1
- Idaho Falls Branch3350 S 25th E, Idaho Falls, ID 83404Directions
McCall area · 1
- Mccall Branch204 E Park St, McCall, ID 83638Directions
Osburn area · 1
- Silver Valley Branch733 E Mullan Ave, Osburn, ID 83849Directions
Ontario area · 1
- Payette Branch102 S Main St, Payette, ID 83661Directions
Pocatello area · 1
- Pocatello Branch860 Yellowstone Ave, Pocatello, ID 83201Directions
Rexburg area · 1
- Rexburg Branch80 N 2nd E, Rexburg, ID 83440Directions
Sandpoint area · 1
- Sandpoint Branch405 N Second Ave, Sandpoint, ID 83864Directions
New Mexico
18 branchesCalifornia
10 branchesUtah
9 branchesNevada
8 branchesTexas
5 branchesWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.21% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.63% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.99% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $96 | $85 | — |
- CapitalLeverage ratio9.21%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.99%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$96Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of WaFd Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.