# YAKIMA NATIONAL BANK
YAKIMA, WA · FDIC certificate 34402 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $124.7M | |
| Deposits | $113.7M | |
| Loans and leases | $101.5M | |
| Total equity | $10.2M | |
| Loans / deposits | 88.32% (p84 of band) | 69.26% |
| Liquid assets / assets | 14.02% (p7 of band) | |
| Uninsured deposits / deposits | 23.05% (p86 of band) | 11.87% |
| Brokered deposits | 7.20% | |
| Wholesale funding | 7.20% (p76 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.23% (p12 of band) | 10.33% |
| Unrealized securities loss / equity | -1.59% (p40 of band) | -0.53% |
| AOCI / equity | -1.81% (p61 of band) | |
| ROA (annualized) | 0.18% (p15 of band) | 0.77% |
| Net interest margin | 4.19% (p79 of band) | 3.62% |
| Efficiency ratio | 96.05% (p89 of band) | |
| Noncurrent loans | 1.87% (p66 of band) | 1.08% |
| Net charge-offs (annualized) | 0.32% (p84 of band) | |
| Reserve coverage of noncurrent | 60.83% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 107.69% (p96 of band) | |
| Auto loans | $95,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | construction >100% equity |
| 2011-09 | 3 | expense ratio p90 |  |
| 2011-12 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2012-03 | 1 | reserve under noncurrent | losing money |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 2 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2013-09 | 3 | reserve under noncurrent, construction >100% equity | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-08-07 [There's a new player in the crowded downtown Yakima banking arena - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2022-05-11 [Bank of Idaho to Purchase Five Branches from HomeStreet Bank, Expand Service Into Eastern Washington - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxObzJQOWRzdTdQem0tQ2ItcHFsUHlKb2h4MUkzZFROQ2t3a2tSVldodXFPNi1xcnhaMWkxbGF2dXVIYmtqUG1raU9SV1hmODhDQWlabFVWQ3E1UkxwYkdCdTJyU2Q1aWdZN0xvWlNxWHBwQm1tNWR6T0taaHNyUzdjTThELUh3cjlkbXEwR0FLX0pPanVSUlV1VWV2MHAyT0FwMld3c1JlcVhXMGJkWjBVeVdRLTg1QnNtWG5ZVWtzXzhnMEhKaU1yZnR3Mm9GazFkNnJNRWJaVFBHMFl6OFlvOWZiU0UtdERtdk85WA?oc=5) · Business Wire
- 2010-11-18 [Yakima National Bank establish roots in Sunnyside - Sunnyside Sun](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQdnRKdTlWd1VfdjZCT3hxTU1xd0xVYU1KWlU3MjVENWZrMG9DNVlXa1pnVFZLUFNpLXEwalp1RVdhWWhRMVgwblJyRkJHYndZbFJqYk1KeFFyY2g1QzVYLW51dHRJVGNMeV9JMmN3SDU1QlY3eElYNHJGZlcwOEVkU1hMd1lMOE1wTkI5MXVtLTNSaTd1SjhERnJuQVd1eDVXMHNha05yMHg2N0ZNZXE3NGszQ0lyQlFkc0ZnRE5LajRIcW1hcC15LVFxOUV0Qmo4X3c?oc=5) · Sunnyside Sun
- 2018-10-08 [It Happened Here: First Native American-owned bank opens in Wapato in 1917 - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2022-02-27 [David BIXBY Obituary (2022) - Spokane, WA - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPUmpmLXdVRDQ2dWtpeEw0ektoYXMtUHpfU1FNRUZyUU1DUm9IVUN5VTBidW1UbkZsdTU0ZGkwcXhJQmpsZERZN2Z2ZFJmLTdHejItN25oSVdtOXM5UEwwcTFuMDdhU0J4OXgxR1dsSEJybXJqbE1IU09Od3pxVHZtbURoMGdMOXVIX1ZLYg?oc=5) · legacy.com
- 2018-03-18 [Nadine Wedel Obituary - Renton, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE4xaEtwVGs0VV95T2pHTzVMTG1OQVNGb0pDTS10NTJ3b2ZoZDU4TEpCM0NiNXFDS0ZQWUhMS1BmdU9CZnNMaDU0VkRVa3NBZTBnX01ySVpHcXlHQ3JQanRZbHd1Y1J3dkJIRlQzQUtrYnJQSWpwR3Zmc2FqX3V4dw?oc=5) · Dignity Memorial
- 2013-08-16 [Banker Chris Siegfried and 'The Bachelorette' begin their life in Seattle - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdXhFQm52cmRqTTVENDAzajg2V0REUTBsdUo4MExoanN3ZlVaN1pYV0xIdms5WFNMOU0xdG5wWHRKaXlHaFBZTEhEZlFwS1NpS3pXaXdHbWxlTXV1MkE5WkVtd21Vd2RGa2FQN3dwT2RaUmNYZ1FJQWRHYVpEa2hkZzkwZXAxVm5Canh5NFhRQTVvb0hT?oc=5) · The Business Journals
- 2024-01-02 [Kristi Foster named new president and CEO of Yakima chamber of commerce - Yakima Herald-Republic](https://news.google.com/rss/articles/CBMi_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?oc=5) · Yakima Herald-Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34402 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "34402", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide