Wafd Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Wafd Bank (FDIC Cert #28088) at 67/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Read against its 97-county reach, a elevated score sets the credit tone for every market on its map. Because Wafd Bank is publicly traded (WAFD) under Wafd Inc, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Los Angeles County, CA, Maricopa County, AZ, Dallas County, TX, King County, WA, among others DLRadar tracks parcel by parcel. Its footprint is broad and multi-state: 2,314 ZIP codes in 97 counties over 9 states. The deepest footprints are Washington (25 counties), Oregon (20 counties), New Mexico (14 counties), Idaho (13 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Wafd Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Wafd Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 67/100 reading stays current and directly comparable — a like-for-like number across 9 states and against any other institution. The value is in the linkage: Wafd Bank's elevated reading is mapped onto 2,314 ZIP codes and 97 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Wafd Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.