Banner Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Banner Bank, based in Walla Walla, Washington, reported $16.6 billion in assets at June 30, 2026. It pays an average of 1.36% on its deposits and borrowings, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). It also keeps 4.10 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.63 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $399 million equal 22% of Tier 1 capital, down from 28% a year earlier. Costs are the weak spot: it spends about 61 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
As of June 30, 2026, Banner Bank reported a CET1 capital ratio of 12.71%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.31%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 10 S 1st Ave, Walla Walla, WA 99362
- County
- Walla Walla
- Metro Area
- Walla Walla, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1890
- Former names
- First Savings Bank of Washington (1991-2000); First Federal Savings Bank of Washington (1988-1991)
- Offices
- 167 domestic
- Employees (FTE)
- 1,896
- Domestic deposits
- $13.89B
- Allowance for credit losses
- $161.8M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $16.61B
- Average total loans
- $11.91B
- Average interest-bearing deposits
- $9.29B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28489
- Fed RSSD
- 352772
- SEC CIK
- 946673 → filed by BANNER CORPORATION
- Website
- www.bannerbank.com →
- Parent Holding Company
- BANNER CORPORATION (RSSD 2126977) · BANR
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mark J Grescovich | CEO | President and CEO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Banner Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Banner Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Banner Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Banner Bank
- Bank of the Pacific, effective September 1, 2026
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 |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 1.23% | 0.46% | 3.31% | 4.10% |
| Q1 2026 | 12.91% | 1.37% | 0.39% | 2.85% | 4.04% |
| Q4 2025 | 12.89% | 1.30% | 0.39% | 2.87% | 4.05% |
| Q3 2025 | 12.91% | 1.30% | 0.34% | 2.62% | 4.00% |
| Q2 2025 | 12.71% | 1.17% | 0.37% | 2.98% | 3.90% |
| Q1 2025 | 12.91% | 1.16% | 0.34% | 2.54% | 3.86% |
| Q4 2024 | 12.82% | 1.20% | 0.32% | 2.45% | 3.84% |
| Q3 2024 | 12.73% | 1.17% | 0.38% | 2.71% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 137 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Yakima Main Branch | Yakima , WA | 98902 | $402.2M |
| Hermiston Branch | Hermiston , OR | 97838 | $356.6M |
| Sacramento 1 Parkcenter Branch | Sacramento , CA | 95825 | $301.1M |
| Bellevue Branch | Bellevue , WA | 98005 | $294.4M |
| Burlington Branch | Burlington , WA | 98233 | $290.5M |
| Carlsbad Office | Carlsbad , CA | 92008 | $281.2M |
| Walla Walla Main Branch | Walla Walla , WA | 99362 | $261.8M |
| Mcandrews Branch | Medford , OR | 97504 | $259.6M |
| Banner Bank (main office) | Walla Walla , WA | 99362 | $226.2M |
| Spokane Valley - Sprague & Mullan Branch | Spokane Valley , WA | 99212 | $224.4M |
| Selah Branch | Selah , WA | 98942 | $211.7M |
| Spokane - 3rd & Stevens Branch | Spokane , WA | 99201 | $186.4M |
| Wenatchee Branch | Wenatchee , WA | 98801 | $184.6M |
| Temecula Branch | Temecula , CA | 92590 | $173.2M |
| Los Angeles Branch | Los Angeles , CA | 90036 | $162.9M |
| Pendleton Branch | Pendleton , OR | 97801 | $161.5M |
| Kennewick Clearwater Financial Center | Kennewick , WA | 99336 | $156.9M |
| Woodinville Branch | Woodinville , WA | 98072 | $156.2M |
| Rancho Cucamonga Branch | Rancho Cucamonga , CA | 91739 | $153.2M |
| Anacortes Branch | Anacortes , WA | 98221 | $149.9M |
| Coos Bay Branch | Coos Bay , OR | 97420 | $149.1M |
| Lake Grove Branch | Lake Oswego , OR | 97035 | $148.0M |
| Portland Main Branch | Portland , OR | 97204 | $145.5M |
| Boise - 10th & Bannock Branch | Boise , ID | 83702 | $143.3M |
| Ferry Street Branch | Sedro Woolley , WA | 98284 | $140.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2026 | Structure Change | Acquired Bank of the Pacific Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2021 | Structure Change | Acquired Islanders Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired AltaPacific Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired Skagit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2015 | Structure Change | Acquired AmericanWest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2015 | Structure Change | Acquired Siuslaw Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2007 | Structure Change | Acquired NCW Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2007 | Structure Change | Acquired F&M Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2002 | Structure Change | Acquired Oregon Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 2001 | Structure Change | Acquired Pioneer American Property Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2001 | Structure Change | Acquired Banner Bank of Oregon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2000 | Structure Change | Acquired Towne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | Structure Change | Acquired Seaport Citizens' Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Whatcom State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1982 | Structure Change | Acquired Home Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 29 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Banner Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.5% of deposits in WA, rank 8 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,339 applications, 3,391 loans originated, $1.28B originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 262 loans, $66.1M approved, $252K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 28 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Banner Bank
What are Banner Bank's total assets?
As of the Q2 2026 filing, Banner Bank reported total assets of $16.59 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banner Bank headquartered?
Banner Bank is headquartered in Walla Walla, WA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Banner Bank founded?
Banner Bank was established in 1890, per the FDIC institution directory.
Is Banner Bank FDIC-insured?
Yes. Banner Bank is an FDIC-insured commercial bank (FDIC Certificate #28489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banner Bank?
Banner Bank'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 Banner Bank's CET1 capital ratio?
Banner Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.71% in its Q2 2026 call report, above regulatory requirements.
How many branches does Banner Bank operate?
Banner Bank operates 167 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banner Bank's Texas Ratio?
Banner Bank's Texas Ratio is 3.31% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Banner Bank previously called?
The charter now named Banner Bank has also operated as First Savings Bank of Washington (1991-2000), First Federal Savings Bank of Washington (1988-1991), per FDIC structure-change records.
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