MEDIUMBuilt-inLoan_portfolio
37.9%
single-family residential loans
“10-K Item 1: 'Single-family residential| 8,053,771| 37.9'”
WAFD · Concentration risk · 10-K extracted
WaFd (WAFD) concentration risks
Updated
The most significant concentration WaFd discloses is single-family residential loans at 37.9%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: WaFd’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH0
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-03The company's only disclosed concentration is a loan portfolio mix tilt toward single-family residential loans — a moderate-share exposure by disclosed size, structural in character. The structural designation reflects the bank's deliberate positioning as a savings institution with significant exposure to residential mortgage lending, a product category that has historically been central to the thrift business model rather than an accidental accumulation of credit risk. The practical implications of this structural concentration are well-understood: single-family residential loans are sensitive to interest rate cycles, housing price trends, and mortgage prepayment behavior. In a rising-rate environment, prepayment speeds slow and portfolio duration extends; in a declining housing price environment, credit losses can emerge in cohorts originated at peak valuations. However, single-family residential loans also benefit from established secondary market liquidity and government-sponsored enterprise backstops that make this asset class more liquid and better-collateralized than commercial real estate or unsecured lending. There is no disclosed customer, geographic, or counterparty concentration layered alongside the loan portfolio mix exposure. On balance, the concentration profile is limited to a single dimension — portfolio composition — and its structural character means it moves with broad housing and interest rate cycles rather than idiosyncratic event risk. The primary monitoring variables are housing price trends in the bank's core markets, prepayment speeds, and the pace of origination activity relative to the overall balance sheet composition.
For the engine’s reasoning on WAFD’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| WAFD● | WaFd, Inc. | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.