The Bank of Baker
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Baker is an FDIC-insured commercial bank headquartered in Baker, MT, established in 1924 (FDIC certificate 352), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $160.9M, up 2.1% from Q2 2025, the 24th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 352
- Headquarters
- Baker, MT
- Established
- 1924
- Total assets, Q2 2026
- $160.9M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 10.85%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092105104
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Baker call report
- Holding company
- UNITED BANCORPORATION
- Asset rank in state
- 24th of 35 in Montana
Little in The Bank of Baker's latest call report stands out. The Baker, Montana bank had $161 million in assets at June 30, 2026, up 2.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $627,000, 87% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.72% of loans, down from 0.89% a year earlier.
As of June 30, 2026, The Bank of Baker reported a return on assets of 1.50%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 4.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Baker is the 24th largest of the 35 banks headquartered in Montana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $160.9M, loans rose 1.4% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 23.2% of total loans, ahead of commercial and industrial loans at 20.9%. The FDIC Summary of Deposits lists a single office for it, in Baker, MT. On its Q2 2026 call report, The Bank of Baker meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 116 S Main St, Baker, MT 59313
- County
- Fallon
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 20, 1924
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $142.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $112K
- Average total assets
- $166.9M
- Average total loans
- $90.9M
- Average interest-bearing deposits
- $97.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 352
- Fed RSSD
- 222558
- Website
- www.bankofbaker.com →
- Parent Holding Company
- UNITED BANCORPORATION (RSSD 1128264)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Baker reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Baker's total assets ran between $142.4M (Q4 2023) and $165.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$160.9M total assets against $157.6M; $143.3M total liabilities against $140.6M.
$88.7M net loans and leases against $84.8M; $142.2M total deposits against $139.5M.
$41.0M securities against $29.8M; $21.2M cash and balances due against $33.5M.
$2.2M total interest income against $2.1M; $543K total interest expense against $589K.
$1.6M net interest income against $1.5M.
$113K total noninterest income against $119K; $1.1M total noninterest expense against $1.1M.
-$17K provision for credit losses against $246K.
$627K net income against $336K.
1.50% return on assets against 0.85%; 4.21% net interest margin against 4.24%.
10.85% tier 1 leverage ratio against 11.03%.
Inside the full The Bank of Baker terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Baker rankings
Its closest position to the top of a national ranking is 1,307 of 3,611, for ROA; its furthest is 3,210 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q2 2025) to 2.67% (Q4 2024) and its net interest margin ran from 3.87% (Q1 2025) to 4.54% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.50% | 0.72% | 4.36% | 4.21% |
| Q1 2026 | 10.77% | 1.47% | 0.76% | 5.26% | 3.88% |
| Q4 2025 | 10.51% | 1.59% | 1.00% | 6.42% | 4.39% |
| Q3 2025 | 11.02% | 1.91% | 0.88% | 5.95% | 4.54% |
| Q2 2025 | 11.03% | 0.85% | 0.89% | 6.18% | 4.24% |
| Q1 2025 | 10.95% | 1.28% | 1.43% | 7.35% | 3.87% |
| Q4 2024 | 10.87% | 2.67% | 1.31% | 7.14% | 4.22% |
| Q3 2024 | 10.69% | 1.65% | 1.01% | 6.00% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Baker | Baker , MT | 59313 | $142.2M |
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 |
|---|---|---|---|
| February 21, 1937 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MT, rank 29 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Baker
What are The Bank of Baker's total assets?
As of the Q2 2026 filing, The Bank of Baker reported total assets of $160.9 million in its FFIEC call report.
Where is The Bank of Baker headquartered?
It is headquartered in Baker, MT, United States.
When was The Bank of Baker founded?
It was established in 1924, per the FDIC institution directory.
Is The Bank of Baker FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Baker?
The Bank of Baker's primary federal regulator is the FDIC.
How many branches does The Bank of Baker operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Baker's Texas Ratio?
Its Texas Ratio is 4.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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