Banner Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Banner Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.58% in Q3 2026, down 0.34 percentage points from 12.91% in Q3 2025. Across the 12 quarters shown it ranged from 12.49% (Q2 2024) to 12.91% (Q3 2025).
What the vital signs page covers and where each line comes from.
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 4.91 percentage points lower than in Q2 2026, at 290.31%. Banner Bank ranks 10th of 28 Washington banks on return on assets, in the upper half at 1.18% (Q3 2026). The median for banks in the $10B-100B asset tier is 1.25% on return on assets. Banner Bank sits 0.07 points lower, at 1.18% (Q3 2026).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 11.60% |
| Equity capital to assets | 11.77% |
| Tangible equity to tangible assets | 9.44% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.45% |
| Nonperforming assets ratio | 0.35% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.38% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of nonperforming loans | 290.31% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 9.96% |
| Net interest margin | 4.15% |
| Efficiency ratio | 61.03% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.40% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 84.14% |
| Core deposits to total deposits | 96.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.66% |
| Securities to assets | 17.17% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 12.52% | 12.52% | 13.70% | 10.46% | 1.13% |
| Q1 2024 | 12.57% | 12.57% | 13.78% | 10.58% | 1.01% |
| Q2 2024 | 12.49% | 12.49% | 13.70% | 10.66% | 1.05% |
| Q3 2024 | 12.73% | 12.73% | 13.95% | 10.74% | 1.17% |
| Q4 2024 | 12.82% | 12.82% | 14.03% | 10.83% | 1.20% |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 10.95% | 1.16% |
| Q2 2025 | 12.71% | 12.71% | 13.96% | 10.81% | 1.17% |
| Q3 2025 | 12.91% | 12.91% | 14.16% | 10.91% | 1.30% |
| Q4 2025 | 12.89% | 12.89% | 14.14% | 10.95% | 1.30% |
| Q1 2026 | 12.91% | 12.91% | 14.16% | 11.09% | 1.37% |
| Q2 2026 | 12.71% | 12.71% | 13.95% | 11.15% | 1.23% |
| Q3 2026 | 12.58% | 12.58% | 13.74% | 11.60% | 1.18% |
Banner Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. How these pages are built. See the full Banner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28489) · FFIEC NIC profile (RSSD 352772)