Baker Boyer National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Baker Boyer National Bank of Walla Walla, WA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.54% | 1.35% | -0.81% | 14th bottom |
| ROAE | 6.32% | 12.06% | -5.74% | 18th bottom |
| Net Interest Margin | 3.87% | 3.90% | -0.03% | 47th below |
| Efficiency Ratio | 87.60% | 63.14% | +24.46% | 8th bottom |
| PPNR / Avg Assets | 0.69% | 1.64% | -0.95% | 12th bottom |
| Yield on Earning Assets | 4.67% | 5.65% | -0.98% | 13th bottom |
| Cost of Funds | 0.70% | 1.85% | -1.15% | 97th top |
| Net Interest Spread | 3.43% | 3.35% | +0.08% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.92% | -0.13% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.67% | -0.23% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 137.60% | 1645.78% | -1508.18% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.86% | 7.15% | -2.29% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.43% | 20.83% | -5.40% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.43% | 20.86% | -5.43% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.46% | 21.94% | -5.48% | 51st above |
| Leverage Ratio | 9.25% | 12.46% | -3.21% | 17th bottom |
| Equity / Assets | 8.50% | 11.67% | -3.17% | 20th bottom |
| TCE / Tangible Assets | 8.50% | 11.40% | -2.90% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.07% | 78.65% | -17.58% | 82nd top |
| Core Deposit Ratio | 93.32% | 87.09% | +6.23% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.94% | 6.48% | -4.54% | 32nd below |
| Loan Growth (Y/Y) | -4.35% | 7.64% | -11.99% | 9th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.28% | 6.02% | -0.74% | 59th above |
See Baker Boyer National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Baker Boyer National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Baker Boyer National Bank profile, how to read a UBPR, or how this data updates.