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
Unfavorable gap of $19.3M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.72% | 1.06% | 1.45% | Beats 17% | 616 / 746 | |
| Return on Equity | 6.84% | 6.74% | 10.51% | 13.63% | Beats 26% | 552 / 746 | |
| Net Interest Margin | 3.57% | 3.17% | 3.68% | 4.16% | Beats 44% | 418 / 746 | |
| Efficiency Ratio | 86.94% | 55.74% | 64.58% | 75.47% | Beats 10% | 673 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.07% | Beats 50% | 371 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 368 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.43% | 11.55% | 13.75% | 17.60% | Beats 65% | 262 / 746 | |
| Total Risk-Based Capital Ratio | 16.46% | 11.71% | 14.33% | 18.43% | Beats 67% | 249 / 746 | |
| Equity / Assets | 8.50% | 8.90% | 10.51% | 13.06% | Beats 19% | 603 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.07% | 61.31% | 78.27% | 90.78% | 24th pctl | 564 / 746 | |
| Loans / Assets | 55.73% | 53.60% | 66.97% | 76.08% | 28th pctl | 535 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |