BANK OF BAKER, THE
BANK OF BAKER, THE is an FDIC-insured commercial bank headquartered in BAKER, MT, established in 1924. As of , 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 4.42%. CET1 capital ratio: 10.90%, well above regulatory minimums. NPL ratio: 0.79% · Texas Ratio: 5.48%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Bank of Baker, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.90% | 1.70% | 0.79% | 5.48% | 4.42% |
| 2025-09-30 | 11.10% | 1.95% | 0.84% | 5.77% | 4.57% |
| 2025-06-30 | 10.80% | 0.86% | 0.89% | 6.18% | 4.28% |
| 2025-03-31 | 11.00% | 1.30% | 1.31% | 6.83% | 3.82% |
| 2024-12-31 | 10.30% | 2.75% | 1.31% | 7.14% | 4.24% |
| 2024-09-30 | 10.70% | 1.70% | 0.99% | 5.93% | 4.07% |
| 2024-06-30 | 10.05% | 1.22% | 0.99% | 6.24% | 3.70% |
| 2024-03-31 | 9.87% | 1.21% | 1.14% | 6.72% | 3.63% |
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Frequently asked about BANK OF BAKER, THE
What are Bank of Baker, the's total assets?
As of the Q4 2025 filing, Bank of Baker, the reported total assets of $162.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Baker, the headquartered?
Bank of Baker, the is headquartered in BAKER, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Baker, the founded?
Bank of Baker, the was established in 1924, per the FDIC institution directory.
Is Bank of Baker, the FDIC-insured?
Yes. Bank of Baker, the is an FDIC-insured commercial bank (FDIC Certificate #352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Baker, the?
Bank of Baker, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Baker, the's CET1 capital ratio?
Bank of Baker, the reported a Common Equity Tier 1 (CET1) capital ratio of 10.90% in its most recent quarterly filing — above regulatory minimums.
How many branches does Bank of Baker, the operate?
Bank of Baker, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Bank of Baker, the's Texas Ratio?
Bank of Baker, the's Texas Ratio is 5.48% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.