Baker Boyer National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 1.86 percentage points in Q2 2026, from 21.26% to 23.12%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Baker Boyer National Bank is 26th of 29 on loan-to-deposit ratio, 61.07% as of Q2 2026, below the middle of the field. Baker Boyer National Bank reported 61.07% on loan-to-deposit ratio for Q2 2026, 19.77 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $386.1M |
| Net loans and leases | $381.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.73% |
| Loan-to-deposit ratio | 61.07% |
| Net loans to equity capital | 6.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.86% |
| Multifamily (5+ residential) | 3.10% |
| Commercial and industrial | 12.44% |
| Consumer | 0.52% |
| Credit cards | 0.00% |
| Farm | 3.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.75% |
| Construction concentration (Tier 1 capital + allowance) | 23.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $5.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $371.8M | $646.6M | 32.32% | 13.54% | 0.71% |
| Q4 2023 | $372.9M | $622.1M | 32.28% | 13.58% | 0.69% |
| Q1 2024 | $381.8M | $613.9M | 31.46% | 14.05% | 0.60% |
| Q2 2024 | $385.4M | $593.2M | 31.36% | 14.21% | 0.50% |
| Q3 2024 | $391.8M | $590.4M | 30.16% | 13.53% | 0.51% |
| Q4 2024 | $393.1M | $587.6M | 31.22% | 13.27% | 0.53% |
| Q1 2025 | $396.2M | $594.0M | 31.01% | 12.42% | 0.53% |
| Q2 2025 | $403.7M | $600.6M | 31.92% | 13.01% | 0.50% |
| Q3 2025 | $388.0M | $616.7M | 31.70% | 13.23% | 0.49% |
| Q4 2025 | $394.7M | $648.5M | 31.18% | 13.40% | 0.49% |
| Q1 2026 | $379.9M | $637.1M | 31.45% | 12.97% | 0.51% |
| Q2 2026 | $386.1M | $632.3M | 29.86% | 12.44% | 0.52% |
Baker Boyer National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Baker Boyer National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Baker Boyer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2987) · FFIEC NIC profile (RSSD 69678)