BANK OF BAKER, THE

BAKER, MT | Small | Est. Sept. 20, 1924, midnight | FDIC #352 | RSSD #222558 | FDIC
Latest Report: 2025-12-31

BANK OF BAKER, THE is asn small FDIC-insured commercial bank headquartered in BAKER, MT, established in Sept. 20, 1924, midnight. As of 2025-12-31, the bank reported total assets of $163M and total deposits of $144M. Profitability stands at 1.70% ROA and 15.42% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 10.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 5.48%. FDIC Certificate #352.

Assets

$163M

Deposits

$144M

Loans

$87M

Equity

$18M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 15.42%
Net Interest Margin (NIM) 4.66%
Yield on Assets 6.26%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.48%
NPA Ratio 0.64%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 10.90%
Tier 1 Capital 10.90%
Total Capital Ratio 11.45%
Leverage Ratio 10.51%
Loan-to-Deposit 60.73%

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