华盛顿联邦储蓄 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period fromtoCommission file number 001-34654 (Exact name of registrant as specified in its charter) 91-1661606 (I.R.S. Employer Identification No.) (Former name, former address and former fiscal year, if changed since last report.) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 ("Exchange Act") during the preceding 12 months (or for such shorter period that the registrant was required tofile such reports), and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filerNon-accelerated filerEmerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ The registrant had outstanding 73,888,480 shares of common stock as of April 30, 2026. WAFD, INC. AND SUBSIDIARIES Item1.Financial Statements (Unaudited) The Consolidated Financial Statements of WaFd, Inc. and Subsidiaries filed as a part of the report are asfollows:Consolidated Statements of Financial Condition as of March 31, 2026 and September 30, 20253Consolidated Statements of Operations for the three and six months ended March 31, 2026 and March 31,20254Consolidated Statements of Comprehensive Income for the three and six months ended March 31, 2026 andMarch 31, 20255Consolidated Statements of Shareholders' Equity for the three and six months ended March 31, 2026 andMarch 31, 20256Consolidated Statements of Cash Flows for the six months ended March 31, 2026 and March 31, 20258Notes to Interim Consolidated Financial Statements10Item2.Management’s Discussion and Analysis of Financial Condition and Results of Operations47Item3.Quantitative and Qualitative Disclosures About Market Risk61Item4.Controls and Procedures61PARTIIItem1.Legal Proceedings62Item1A.Risk Factors62Item2.Unregistered Sales of Equity Securities and Use of Proceeds62Item3.Defaults Upon Senior Securities63Item 4.Mine Safety Disclosures63Item5.Other Information63Item6.Exhibits64Signatures65 Table of Contents SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS4 WAFD, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(UNAUDITED) WAFD, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY(UNAUDITED) SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS7 WAFD, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS(UNAUDITED) (CONTINUED) SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS8 WAFD, INC. AND SUBSIDIARIESNOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS(UNAUDITED) NOTE A –Summary of Significant Accounting Policies Company and Nature of Operations - WaFd Bank, a federally-insured Washington state chartered commercial bank (the “Bank”), wasfounded on April 24, 1917 in Ballard, Washington and is engaged primarily in providing lending, depository, insurance and otherbanking services to consumers, small, mid-sized and large businesses, and owners and developers of commercial real estate. Thebusiness of the Bank consists primarily of accepting deposits from the general public and investing these funds in loans of varioustypes, including construction loans, land acquisition and development loans, loans on multi-family, commercial real estate and otherincome producing properties, and business loans, including U.S. Small Business Administration (“SBA”) loans. In January 2025, theBank announced it will no longer originate consumer single family home loans and home equity lines of credit. Our existing consumerhome loans still make up a significant portion of our loan portfolio. The Bank also invests in certain United States government andagency obligations and other investments permitted by applicable