# EDGAR Filing Document

**Accession Number:** 0000936528
**File Stem:** 0000936528-26-000013
**Filing Date:** 2026-1
**Character Count:** 10975
**Document Hash:** c93cece185ec3d6c0d5a99c2e443ee6d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000936528-26-000013.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0000936528-26-000013

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 16

**CONFORMED PERIOD OF REPORT**: 20260121

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WAFD INC
- **CENTRAL INDEX KEY:** 0000936528
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 911661606
- **STATE OF INCORPORATION:** WA
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34654
- **FILM NUMBER:** 26550687

**BUSINESS ADDRESS:**
- **STREET 1:** 425 PIKE STREET
- **CITY:** SEATTLE
- **STATE:** WA
- **ZIP:** 98101
- **BUSINESS PHONE:** 2066247930

**MAIL ADDRESS:**
- **STREET 1:** 425 PIKE ST
- **CITY:** SEATTLE
- **STATE:** WA
- **ZIP:** 98101

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WASHINGTON FEDERAL INC
- **DATE OF NAME CHANGE:** 20230928

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WAFD INC
- **DATE OF NAME CHANGE:** 20230927

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WASHINGTON FEDERAL INC
- **DATE OF NAME CHANGE:** 19950206

?xml version='1.0' encoding='ASCII'? wfsl-20260121

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

____________________________________

**FORM 8-K** 

____________________________________

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the**

**Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): January 21, 2026**

____________________________________

**WAFD, INC.** 

**(Exact name of registrant as specified in its charter)**

____________________________________

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| | | | |
|:---|:---|:---|:---|
| **Washington** | **001-34654** | **001-34654** | **91-1661606** |
| **(State or other jurisdiction of incorporation or organization)** | **(Commission File Number)** | **(Commission File Number)** | **(I.R.S. Employer Identification No.)** |
| **425 Pike Street** | **Seattle** | **Washington** | **98101** |
| **(Address of Principal Executive Offices)** | | | **(Zip Code)** |

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**Registrant's telephone number, including area code (206) 624-7930** 

Not Applicable

**(Former name or former address, if changed since last report)**

____________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **Title of Each Class** | **Trading Symbol** | **Name of each exchange on which registered** |
| Common Stock, $1.00 par value per share | WAFD | NASDAQ Stock Market |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock | WAFDP | NASDAQ Stock Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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| | |
|:---|:---|
| **Item 7.01** | **Regulation FD Disclosure** |

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On January 21, 2026, WaFd Bank, a federally insured Washington state chartered commercial bank (the "Bank"), and the wholly owned subsidiary of WaFd, Inc. (the "Company"), issued a press release announcing that on January 16, 2026, the Bank prevailed on its appeal of its Community Reinvestment Act ("CRA") rating to the Supervision Appeals Review Committee ("SARC") of the Federal Deposit Insurance Corporation. As a result of the decision by the SARC, the Bank's rating for the lending test component of its CRA examination was upgraded from "Needs to Improve" to "Low Satisfactory" and its overall composite CRA rating was elevated from "Needs to Improve" to "Satisfactory." A copy of the press release is furnished as Exhibit 99.1 and is incorporated herein by reference.

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| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits** |

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(d) The following exhibits are being furnished herewith:

<u>[Exhibit 99.1](craratingpressrelease012.htm)</u>&nbsp;&nbsp;&nbsp;&nbsp;<u>[Press Release, dated January 21, 2026](craratingpressrelease012.htm)</u>

Exhibit 104&nbsp;&nbsp;&nbsp;&nbsp;Cover Page Interactive Data File (embedded within with Inline XBRL)

**Important Cautionary Statements**

This Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this Current Report on Form 8-K that do not relate to matters of historical fact should be considered forward-looking statements. These statements are based on management's current assumptions and are neither promises nor guarantees, but involve known and unknown risks, uncertainties and other important factors that may cause the Company's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. For important factors that could cause actual results to differ materially from the forward-looking statements in this Current Report on Form 8-K, please see the risks and uncertainties identified under the heading "Risk Factors" in our Annual Report on Form 10-K for the year ended September 30, 2025, and our other reports filed with the SEC which are available on the SEC website at www.sec.gov. All forward-looking statements reflect the Company's beliefs and assumptions only as of the date of this Current Report on Form 8-K. The Company undertakes no obligation to update forward-looking statements to reflect future events or circumstances.

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | |
|:---|:---|:---|
| January 22, 2026 | WAFD, INC. | WAFD, INC. |
|  | By: | &nbsp;&nbsp;&nbsp;&nbsp;/s/ KELLI J. HOLZ |
|  |  | Kelli J. Holz |
|  |  | Executive Vice President<br>and Chief Financial Officer |

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## Exhibit 99.1

![](craratingpressrelease012001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;1 Wednesday January 21, 2026 FOR IMMEDIATE RELEASE WaFd Bank Prevails on its CRA Rating Appeal SEATTLE, WASHINGTON – As previously disclosed, on December 27, 2024, WaFd Bank (the "Bank"), a wholly-owned subsidiary of WaFd, Inc. (the "Company"), received an overall CRA rating from the Federal Deposit Insurance Corporation ("FDIC") of "Needs to Improve" for the period spanning June 3, 2020 to March 26, 2024. The Bank appealed the FDIC's rating to the Supervision Appeals Review Committee of the FDIC ("SARC"). On January 16, 2026, the SARC issued its decision to grant the Bank's appeal and elevate the Bank's rating on the CRA lending test from "Needs to Improve" to "Low Satisfactory" and upgraded its overall CRA rating to "Satisfactory." WaFd Bank CEO Brent Beardall commented, "When we met in Washington, D.C, in early December, I shared with the senior leadership of the FDIC how appreciative I was of having an independent process to review significant regulatory determinations. Regardless of outcome, being able to make our case that examiners were not comparing WaFd to a proper peer group and not giving enough credit to our community development lending, we felt heard. We are grateful that the review process ultimately resulted in an upgrade for WaFd Bank to an overall "Satisfactory" CRA rating. This year will mark our 109th year of operations. We look forward to continuing to meet the credit needs of our communities in a safe and sound manner without the restrictions associated with a "Needs to Improve" CRA rating." WaFd Bank, a federally insured Washington state chartered commercial bank that operates branches in Washington, Oregon, Idaho, Utah, Nevada, Arizona, Texas, New Mexico, and California. Established in 1917, the Bank provides consumer and commercial deposit accounts, financing for small- to middle-market businesses, commercial real estate, residential

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![](craratingpressrelease012002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;2 real estate, and insurance products through a subsidiary. As of December 31, 2025, the Company operated 208 branches and reported $27.3 billion in assets, $21.4 billion in deposits and $3.0 billion in shareholders' equity. Important Cautionary Statements The foregoing information should be read in conjunction with the financial statements, notes and other information contained in the Company's Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. Statements in this press release that speak to the Company's future performance or financial condition constitute "forward-looking statements" as defined by federal law. Such statements are based on present information the Company has related to its present business circumstances. Although the Company believes any such statements are based on reasonable assumptions, there is no assurance that actual or future outcomes will not be materially different. Any such statements are made in reliance on the "safe harbor" protections provided under the Private Securities Litigation Reform Act of 1995. Additional information about risks and additional matters that could lead to material changes in the Company's performance or financial condition are contained in the Company's annual and quarterly reports filed with the SEC, including under "Risk Factors" in Part I, Item 1A of the Company's Annual Report on Form 10-K for the year ended September 30, 2025. To find out more about WaFd Bank, or to find a copy of our 10-K or our other SEC filings, please visit our website www.wafdbank.com. # # # Contact: WaFd, Inc. 425 Pike Street, Seattle, WA 98101 Brad Goode, SVP, Chief Marketing Officer 206-626-8178 Brad.Goode@wafd.com

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