BAKER BOYER NATIONAL BANK
BAKER BOYER NATIONAL BANK is an FDIC-insured commercial bank headquartered in WALLA WALLA, WA, established in 1869. As of , 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 3.59%. CET1 capital ratio: 15.01%, well above regulatory minimums. NPL ratio: 1.23% · Texas Ratio: 7.74%. Operates 7 domestic branches.
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.
Baker Boyer National Bank 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 | 15.01% | 0.71% | 1.23% | 7.74% | 3.59% |
| 2025-09-30 | 15.11% | 0.37% | 1.32% | 8.29% | 3.51% |
| 2025-06-30 | 14.50% | 0.38% | 0.75% | 5.09% | 3.57% |
| 2025-03-31 | 14.64% | 0.52% | 0.24% | 1.64% | 3.26% |
| 2024-12-31 | 14.57% | 0.58% | 0.22% | 1.50% | 3.21% |
| 2024-09-30 | 14.45% | 0.48% | 0.20% | 1.96% | 3.02% |
| 2024-06-30 | 14.15% | -0.06% | 0.20% | 2.16% | 2.86% |
| 2024-03-31 | 14.11% | 0.15% | 0.25% | 2.55% | 2.83% |
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Frequently asked about BAKER BOYER NATIONAL BANK
What are Baker Boyer National Bank's total assets?
As of the Q4 2025 filing, Baker Boyer National Bank reported total assets of $709.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Baker Boyer National Bank headquartered?
Baker Boyer National Bank is headquartered in WALLA WALLA, WA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Baker Boyer National Bank founded?
Baker Boyer National Bank was established in 1869, per the FDIC institution directory.
Is Baker Boyer National Bank FDIC-insured?
Yes. Baker Boyer National Bank is an FDIC-insured commercial bank (FDIC Certificate #2987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Baker Boyer National Bank?
Baker Boyer National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Baker Boyer National Bank's CET1 capital ratio?
Baker Boyer National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Baker Boyer National Bank operate?
Baker Boyer National Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Baker Boyer National Bank's Texas Ratio?
Baker Boyer National Bank's Texas Ratio is 7.74% — 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.