The Bank of Baker: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.54 percentage points higher than in Q1 2026, at 205.15%. Within Montana, The Bank of Baker is 17th of 35 on return on assets, 1.50% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Baker sits 0.25 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.36% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 205.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 14.00% |
| Net interest margin | 4.21% |
| Efficiency ratio | 64.64% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.27% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.37% |
| Securities to assets | 25.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.38% | 1.51% | 4.02% | 1.12% | -0.34% |
| Q4 2023 | 10.05% | 1.13% | 3.94% | 1.12% | -0.07% |
| Q1 2024 | 10.49% | 1.12% | 3.62% | 1.14% | -0.01% |
| Q2 2024 | 10.49% | 1.20% | 3.70% | 0.99% | -0.00% |
| Q3 2024 | 10.69% | 1.65% | 4.16% | 0.99% | -0.00% |
| Q4 2024 | 10.87% | 2.67% | 4.22% | 1.31% | -0.01% |
| Q1 2025 | 10.95% | 1.28% | 3.87% | 1.31% | 0.03% |
| Q2 2025 | 11.03% | 0.85% | 4.24% | 0.89% | 0.00% |
| Q3 2025 | 11.02% | 1.91% | 4.54% | 0.84% | -0.00% |
| Q4 2025 | 10.51% | 1.59% | 4.39% | 0.79% | 0.00% |
| Q1 2026 | 10.77% | 1.47% | 3.88% | 0.76% | 0.50% |
| Q2 2026 | 10.85% | 1.50% | 4.21% | 0.69% | 0.01% |
The Bank of Baker vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Baker, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Bank of Baker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 352) · FFIEC NIC profile (RSSD 222558)