BAKER BOYER NATIONAL BANK

WALLA WALLA, WA | Medium | Est. Nov. 10, 1869, midnight | FDIC #2987 | RSSD #69678 | OCC
Latest Report: 2025-12-31

BAKER BOYER NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in WALLA WALLA, WA, established in Nov. 10, 1869, midnight. As of 2025-12-31, the bank reported total assets of $710M and total deposits of $649M. Profitability stands at 0.71% ROA and 8.50% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 15.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 5.62%. FDIC Certificate #2987.

Assets

$710M

Deposits

$649M

Loans

$395M

Equity

$58M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 8.50%
Net Interest Margin (NIM) 3.71%
Yield on Assets 4.63%
Cost of Funds 0.93%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.62%
NPA Ratio 0.50%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 15.01%
Tier 1 Capital 15.01%
Total Capital Ratio 16.01%
Leverage Ratio 8.99%
Loan-to-Deposit 60.87%

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