Bank Comparison
Baker Boyer National Bank vs Savibank
BankRegReports is independent of Baker Boyer National Bank and Savibank and never asks for online banking logins or passwords.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 4
winning metrics across 16 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| CET1 Ratio | 15.43% | 9.92% |
| Tier 1 Capital Ratio | 15.43% | 9.92% |
| Total Capital Ratio | 16.46% | 11.06% |
| Tier 1 Leverage Ratio | 9.25% | 8.72% |
| Equity / Assets | 8.50% | 8.40% |
Profitability
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 0.71% |
| Return on Equity (ROE) | 6.32% | 8.33% |
| Net Interest Margin (NIM) | 3.87% | 3.72% |
| Yield on Earning Assets | 4.67% | 5.84% |
| Cost of Funds | 0.70% | 2.31% |
Asset quality
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| Texas Ratio | 2.58% | 9.51% |
| Non-Performing Loan Ratio | 0.42% | 0.96% |
| Non-Performing Asset Ratio | 0.24% | 0.86% |
| Net Charge-Off Ratio | 0.01% | 0.16% |
| ACL / Loans | 1.09% | 1.16% |
Balance sheet
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| Total Assets | $692.9M | $639.5M |
| Total Deposits | $632.3M | $518.3M |
| Total Loans | $386.1M | $527.3M |
| Total Equity | $58.9M | $53.7M |
| Net Income (quarter) | $929K | $1.1M |
Liquidity & funding
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.07% | 101.73% |
| Core Deposit Ratio | 93.32% | 86.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Baker Boyer National Bank | Savibank |
|---|---|---|
| Headquarters City | Walla Walla | Burlington |
| Headquarters State | WA | WA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 10 |
| Employees (FTE) | 175 | 136 |
| Established | November 10, 1869 | April 11, 2005 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Baker Boyer National Bank profile | View full Savibank profile | Browse all bank comparisons