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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

3.66%Q2 ’244.24%Q2 ’254.42%Q2 ’26+24%+8%

Non-interest income vs. expense

4.55%Q2 ’244.76%Q2 ’255.11%Q2 ’26+4%+6%

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 0.53%, up 15 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.42% of loans (-53 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

0.53%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+29 bps YoY

Efficiency Ratio (quarter, annualized)

88.07%-123 bps YoY

Tier 1 Leverage Ratio

9.25%-4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.37%0.71%0.62%0.53%+15 bps
Return on Equity4.70%4.51%8.50%7.41%6.32%+162 bps
Net Interest Margin3.38%3.35%3.42%3.42%3.66%+29 bps
Efficiency Ratio89.30%87.09%84.01%85.75%88.07%-123 bps
Non-Interest Burden2.81%2.66%2.51%2.64%2.97%+16 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 / Loans-0.02%-0.02%0.01%-0.01%0.01%+3 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