---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-26-000013"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:12:16.561678+00:00"
event_type: "regulatory"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# WaFd Bank's CRA rating upgraded to 'Satisfactory' after successful FDIC appeal

## Summary
- SARC granted appeal on Jan 16, 2026; lending test upgraded from 'Needs to Improve' to 'Low Satisfactory'.
- Overall CRA rating elevated to 'Satisfactory'; removes restrictions associated with prior rating.
- WaFd Bank reported $27.3B in assets and 208 branches as of Dec 31, 2025.
- CEO Brent Beardall cited proper peer group comparison and community development lending credit.

## SEC filing metadata
- accession: 0000936528-26-000013
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: regulatory
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/936528/000093652826000013/0000936528-26-000013-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652826000013/wfsl-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-26-000013
- JSON: https://secwatch.observer/filing/0000936528-26-000013.json
- Plain text: https://secwatch.observer/filing/0000936528-26-000013.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.