What is WaFd, Inc.'s non-interest checking?

WaFd, Inc. (WAFD) reported non-interest checking of 0% in Q3 2025.

What does non-interest checking mean?

This represents the weighted average interest rate paid on domestic deposits classified as non-interest bearing, which should theoretically be zero. This metric is used to monitor the accuracy of deposit classification and to ensure that no hidden interest costs are embedded within non-interest bearing accounts. It serves as a quality control measure for deposit cost reporting.

WaFd, Inc. WAFD Non-interest checking

Non-interest checking at other companies

Columbia Financial, Inc.CLBK

2%-0.2pp

Provident Financial ServicesPFS

0%—

Northwest BancsharesNWBI

$3.12B+18.2%

TFS FinancialTFSL

-$13.06M-7.3%

Dime Community Bancshares DCOM

$3.96B+16.2%

Community Financial SystemCBU

$3.68B+3.5%

Other financials

Income statement

See full

Revenue$197.4M+9.8%

Net income$65.5M+16.5%

EPS (diluted)$0.82+26.2%

Balance sheet

See full

Cash & equivalents$669.8M-45.6%

Total debt$3.1B+10.8%

Total equity$3.0B-1.7%

Total assets$27.6B-0.3%

Cash flow

See full

Operating cash flow$79.4M+10.0%

CapEx$11.4M+105%

Free cash flow$68.0M+2.1%

Valuation

See full

Market cap$2.75B+2.2%

Enterprise value$5.15B+23.6%

P/E10.9×-0.8×

P/S3.6×-0.1×

Profitability

See full

Net margin33.1%+1.8pp

FCF margin28.4%-6.7pp

Returns & leverage

See full

Return on equity8.4%+0.7pp

Debt / equity1×+0.1×

Where this comes from

Reported directly by WaFd, Inc. in its filing.

Tagged under the XBRL concept wfsl:WeightedAverageRateDomesticDepositNonInterestChecking.

The official record: WaFd, Inc.’s 10-K, filed November 18, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is WaFd, Inc.'s non-interest checking?: WaFd, Inc. (WAFD) reported non-interest checking of 0% in Q3 2025.
What does non-interest checking mean?: This represents the weighted average interest rate paid on domestic deposits classified as non-interest bearing, which should theoretically be zero. This metric is used to monitor the accuracy of deposit classification and to ensure that no hidden interest costs are embedded within non-interest bearing accounts. It serves as a quality control measure for deposit cost reporting.