Olympia Fs&La (FDIC #28599): Bank Stress & Real-Estate Credit Exposure

Olympia Fs&La (FDIC Cert #28599): bank stress 78/100, severe, STABLE over 7 days.

Olympia Fs&La (#28599) lends in 3 counties across 1 state; Olympia Fs&La (#28599) reaches 51 ZIP codes: Washington 3 counties, 51 ZIPs.

Olympia Fs&La (#28599) largest markets: Lewis County, WA (24 branches, 24 ZIPs) (#28599), Thurston County, WA (112 branches, 16 ZIPs) (#28599), Mason County, WA (15 branches, 15 ZIPs) (#28599).

Olympia Fs&La (#28599) reports $1.02 billion in total assets; Olympia Fs&La (#28599) equity $118.5 million (11.6% of Olympia Fs&La (#28599) assets); Olympia Fs&La (#28599) domestic deposits $709.7 million; Olympia Fs&La (#28599) net income $1.8 million; Olympia Fs&La (#28599) return on assets 0.36%; Olympia Fs&La (#28599) return on equity 3.13%; Olympia Fs&La (#28599) net interest income $13.3 million; Olympia Fs&La (#28599) call report June 30, 2026.

Olympia Fs&La (#28599) noncurrent real-estate loans: none reported; Olympia Fs&La (#28599) net charge-offs on real estate 0.27%.

Olympia Fs&La (#28599) net interest margin 2.78% against an eight-quarter Olympia Fs&La (#28599) average of 2.42% (Olympia Fs&La (#28599) compression -0.36 points); Olympia Fs&La (#28599) rate-exposure score 40/100, Olympia Fs&La (#28599) fixed-rate trap 40/100; Olympia Fs&La (#28599) risk type credit driven; Olympia Fs&La (#28599) rate regime rates elevated, Olympia Fs&La (#28599) snapshot October 20, 2026.

Olympia Fs&La (#28599) stress score moved from 76.1 on June 22, 2026 to 77.5 on October 20, 2026; Olympia Fs&La (#28599) ranged 76.1 to 77.5 over 117 snapshots.

Olympia Fs&La (#28599) alerts: 3 counties; top Olympia Fs&La (#28599) alert scores: Belfair County, WA 24 (low); Chehalis County, WA 24 (low); Yelm County, WA 24 (low).