Walla Walla, WA · Cert 28489 · Banner Corp.
State charter, non-member · FDIC · 137 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
84
Profitability
60
Liquidity
89
Efficiency
32
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Walla Walla, WA · Cert 28489 · Banner Corp.
State charter, non-member · FDIC · 137 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 1.4% share · #12 of 43 inst. · $2.0B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.13% | 1.17% | 1.17% | 1.22% | 1.24% | 1.38% | 1.31% | +14 bps | |
| Return on Equity | 9.89% | 10.14% | 10.28% | 10.30% | 10.65% | 10.79% | 11.58% | 10.97% | +67 bps | |
| Net Interest Margin | 3.43% | 3.45% | 3.59% | 3.59% | 3.61% | 3.64% | 3.75% | 3.77% | +18 bps | |
| Efficiency Ratio | 62.10% | 61.59% | 61.54% | 61.07% | 60.18% | 60.12% | 58.82% | 60.03% | -104 bps | |
| Non-Interest Burden | 1.93% | 1.92% | 1.99% | 1.98% | 1.95% | 1.97% | 1.96% | 2.03% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 3.46% | 4.29% | 3.88% | 2.20% | 0.85% | 0.93% | 0.94% | -294 bps | |
| Loan Growth (YoY) | 5.98% | 5.22% | 5.38% | 5.12% | 3.71% | 3.32% | 2.43% | 2.50% | -261 bps | |
| Deposit Growth (YoY) | 2.52% | 3.44% | 3.05% | 3.43% | 3.44% | 1.63% | 1.84% | 2.15% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.32% | 0.34% | 0.37% | 0.34% | 0.39% | 0.39% | 0.46% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.10% | 0.06% | 0.07% | 0.06% | 0.04% | 0.02% | -4 bps | |
| Allowance / Loans | 1.37% | 1.37% | 1.37% | 1.37% | 1.36% | 1.36% | 1.37% | 1.35% | -2 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.2x | 4.0x | 3.7x | 4.0x | 3.5x | 3.5x | 3.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.83% | 10.95% | 10.81% | 10.91% | 10.95% | 11.09% | 11.15% | +34 bps | |
| Total Risk-Based Capital | 13.95% | 14.03% | 14.16% | 13.96% | 14.16% | 14.14% | 14.16% | 13.95% | -1 bps | |
| Equity / Assets | 11.35% | 11.18% | 11.52% | 11.37% | 11.62% | 11.94% | 11.95% | 11.92% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.07% | 83.79% | 83.81% | 86.27% | 83.28% | 85.18% | 84.30% | 86.57% | +30 bps | |
| Liquid Assets / Assets | 7.82% | 8.02% | 7.54% | 7.46% | 8.77% | 7.35% | 7.36% | 6.93% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 414% | 412% | 412% | n/a | n/a | |
Walla Walla, WA · Cert 28489 · Peer group: banks over $10B in assets (n=142-144) · Banner Corp.
State charter, non-member · FDIC · 137 branches
Q2 2026
Return on Assets
1.30%
Rank 68 of 144
Net Interest Margin
3.77%
Rank 27 of 144
Efficiency Ratio
60.18%
Rank 99 of 144
Equity / Assets
11.92%
Rank 55 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 1.00% | 1.26% | 1.54% | Beats 53% | 68 / 144 | ||
| Return on Equity | 10.88% | 8.98% | 11.34% | 14.40% | Beats 45% | 79 / 144 | ||
| Net Interest Margin | 3.77% | 2.82% | 3.31% | 3.68% | Beats 81% | 27 / 144 | ||
| Efficiency Ratio | 60.18% | 49.42% | 56.02% | 62.41% | Beats 32% | 99 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.48% | 0.73% | 1.07% | Beats 78% | 32 / 142 | ||
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.11% | 0.22% | Beats 89% | 17 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.71% | 12.07% | 12.98% | 14.92% | Beats 44% | 81 / 144 | ||
| Total Risk-Based Capital Ratio | 13.95% | 13.39% | 14.14% | 16.25% | Beats 41% | 85 / 144 | ||
| Equity / Assets | 11.92% | 9.69% | 11.39% | 12.96% | Beats 62% | 55 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.57% | 75.72% | 84.92% | 91.56% | 52nd pctl | 68 / 143 | ||
| Loans / Assets | 72.48% | 59.83% | 69.07% | 74.80% | 63rd pctl | 54 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||