Walla Walla, WA · Cert 2987 · Baker Boyer Bcorp
National charter · OCC · 7 branches
Q2 2026
Market Position · Walla Walla, WA · 2026 SOD (annual) · 35.3% share · #2 of 6 inst. · $0.5B of $1.5B
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 | 0.48% | 0.58% | 0.52% | 0.38% | 0.37% | 0.71% | 0.62% | 0.53% | +15 bps | |
| Return on Equity | 6.56% | 7.38% | 6.47% | 4.70% | 4.51% | 8.50% | 7.41% | 6.32% | +162 bps | |
| Net Interest Margin | 2.88% | 3.04% | 3.10% | 3.38% | 3.35% | 3.42% | 3.42% | 3.66% | +29 bps | |
| Efficiency Ratio | 87.65% | 82.39% | 87.50% | 89.30% | 87.09% | 84.01% | 85.75% | 88.07% | -123 bps | |
| Non-Interest Burden | 2.29% | 2.11% | 2.46% | 2.81% | 2.66% | 2.51% | 2.64% | 2.97% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.31% | -5.59% | -4.60% | -0.90% | 1.29% | 5.96% | 3.37% | 1.94% | +284 bps | |
| Loan Growth (YoY) | 5.38% | 5.43% | 3.77% | 4.73% | -0.96% | 0.40% | -4.10% | -4.35% | -908 bps | |
| Deposit Growth (YoY) | -8.69% | -5.55% | -3.24% | 1.23% | 4.45% | 10.37% | 7.26% | 5.28% | +405 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.17% | 0.43% | 0.95% | 1.13% | 1.09% | 0.88% | 0.42% | -53 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.05% | -0.02% | -0.02% | 0.01% | -0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 0.90% | 1.00% | 0.98% | 1.01% | 1.07% | 1.05% | 1.10% | 1.09% | +8 bps | |
| Allowance Coverage of NPLs | 6.1x | 5.9x | 2.3x | 1.1x | 0.9x | 1.0x | 1.2x | 2.6x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 9.10% | 9.23% | 9.30% | 9.16% | 8.99% | 9.09% | 9.25% | -4 bps | |
| Total Risk-Based Capital | 15.29% | 15.50% | 15.56% | 15.45% | 16.12% | 16.01% | 16.46% | 16.46% | +101 bps | |
| Equity / Assets | 7.82% | 7.87% | 8.08% | 8.17% | 8.39% | 8.23% | 8.41% | 8.50% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.36% | 66.91% | 66.70% | 67.21% | 62.92% | 60.87% | 59.63% | 61.07% | -615 bps | |
| Liquid Assets / Assets | 1.51% | 4.71% | 6.98% | 8.77% | 13.80% | 13.96% | 12.71% | 12.34% | +358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 239% | 231% | n/a | n/a | |