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Baker Boyer National Bank

Walla Walla, WA · Cert 2987 · Baker Boyer Bcorp

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Baker Boyer National Bank

Walla Walla, WA · Cert 2987 · Baker Boyer Bcorp

National charter · OCC · 7 branches

Q2 2026

$692.9MAssets
$386.1MLoans
$632.3MDeposits
$58.9MEquity
Loan mix
86%RE $308.8M14%C&I $49.3M1%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $422.0M33%Noninterest $210.3MQ2 2025Q2 2026

NIM

3.64%Q2 ’244.10%Q2 ’254.33%Q2 ’26+19%+10%

Non-interest income vs. expense

4.44%Q2 ’244.63%Q2 ’254.95%Q2 ’26+2%+7%

Market Position · Walla Walla, WA · 2026 SOD (annual) · 35.3% share · #2 of 6 inst. · $0.5B of $1.5B

35.3% Walla Walla
1.5% Yakima
1.5% Benton

Executive Summary

  • Earnings: ROA of 0.58%, up 13 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.42% of loans (-53 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.25%, down 4 bps from a year ago.
  • Funding: loans stand at 61.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+32 bps YoY

Efficiency Ratio (YTD, annualized)

86.94%-149 bps YoY

Tier 1 Leverage Ratio

9.25%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.42%0.49%0.62%0.58%+13 bps
Return on Equity5.58%5.21%6.07%7.41%6.86%+128 bps
Net Interest Margin3.25%3.25%3.24%3.42%3.57%+32 bps
Efficiency Ratio88.42%87.97%86.90%85.75%86.94%-149 bps
Non-Interest Burden2.64%2.62%2.55%2.64%2.82%+18 bps
Growth
Asset Growth (YoY)-0.90%1.29%5.96%3.37%1.94%+284 bps
Loan Growth (YoY)4.73%-0.96%0.40%-4.10%-4.35%-908 bps
Deposit Growth (YoY)1.23%4.45%10.37%7.26%5.28%+405 bps
Asset Quality
Nonperforming Loans / Loans0.95%1.13%1.09%0.88%0.42%-53 bps
Net Charge-Offs / Loans0.02%0.01%0.01%-0.01%0.00%-2 bps
Allowance / Loans1.01%1.07%1.05%1.10%1.09%+8 bps
Allowance Coverage of NPLs1.1x0.9x1.0x1.2x2.6x+1.5x
Capital
Tier 1 Leverage Ratio9.30%9.16%8.99%9.09%9.25%-4 bps
Total Risk-Based Capital15.45%16.12%16.01%16.46%16.46%+101 bps
Equity / Assets8.17%8.39%8.23%8.41%8.50%+33 bps
Liquidity & Funding
Loans / Deposits67.21%62.92%60.87%59.63%61.07%-615 bps
Liquid Assets / Assets8.77%13.80%13.96%12.71%12.34%+358 bps
CRE / Total Capitaln/a237%239%231%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Baker Boyer National Bank

Walla Walla, WA · Cert 2987 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baker Boyer Bcorp

National charter · OCC · 7 branches

Q2 2026

$692.9MAssets
$386.1MLoans
$632.3MDeposits
$58.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 67% of banks under $1B in assets operating in a single state (rank 249 of 746).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets operating in a single state (rank 673 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.58%

Rank 616 of 746

Net Interest Margin

3.57%

Rank 418 of 746

Efficiency Ratio

86.94%

Rank 673 of 746

Equity / Assets

8.50%

Rank 603 of 746

Non-interest income vs. expense

$14.5M$33.9MINCOMEEXPENSE
Unfavorable gap of $19.3M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state
Bank 86.94%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.72%1.06%1.45%Beats 17%616 / 746
Return on Equity6.84%6.74%10.51%13.63%Beats 26%552 / 746
Net Interest Margin3.57%3.17%3.68%4.16%Beats 44%418 / 746
Efficiency Ratio86.94%55.74%64.58%75.47%Beats 10%673 / 746
Asset Quality
Nonperforming Loans / Loans0.42%0.09%0.42%1.07%Beats 50%371 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 51%368 / 743
Capital
Tier 1 Capital Ratio15.43%11.55%13.75%17.60%Beats 65%262 / 746
Total Risk-Based Capital Ratio16.46%11.71%14.33%18.43%Beats 67%249 / 746
Equity / Assets8.50%8.90%10.51%13.06%Beats 19%603 / 746
Liquidity & Funding
Loans / Deposits61.07%61.31%78.27%90.78%24th pctl564 / 746
Loans / Assets55.73%53.60%66.97%76.08%28th pctl535 / 746
Brokered Deposits / Depositsn/aNot reported for this institution