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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.21% | 1.17% | 1.18% | 1.31% | 1.32% | 1.38% | 1.24% | +6 bps | |
| Return on Equity | 10.59% | 10.72% | 10.28% | 10.28% | 11.40% | 11.18% | 11.58% | 10.38% | +11 bps | |
| Net Interest Margin | 3.47% | 3.57% | 3.59% | 3.63% | 3.72% | 3.77% | 3.75% | 3.81% | +18 bps | |
| Efficiency Ratio | 60.70% | 60.12% | 61.54% | 60.61% | 58.49% | 59.94% | 58.82% | 61.23% | +62 bps | |
| Non-Interest Burden | 1.90% | 1.92% | 1.99% | 2.00% | 1.94% | 2.05% | 1.96% | 2.12% | +12 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 | 0.01% | 0.08% | 0.10% | 0.03% | 0.07% | 0.03% | 0.04% | 0.00% | -3 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 | |