TellerScore

Headquartered in Walla Walla, Washington, Baker-Boyer National Bank is a national bank with $692.9M in total assets and $632.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1869.

Based on its Q2 2026 filing, Baker-Boyer National Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 16th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.25%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 60.4% · 23.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (59 → 66), mostly because the loan quality component improved by 18 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202465
Q1 202565
Q2 202559
Q3 202557
Q4 202558
Q1 202661
Q2 202666
Tier 1 leverage ratio
5.00%7.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.60%
Q3 20248.82%
Q4 20249.10%
Q1 20259.23%
Q2 20259.30%
Q3 20259.16%
Q4 20258.99%
Q1 20269.09%
Q2 20269.25%
Noncurrent loans
0.15%0.64%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.15%
Q4 20240.17%
Q1 20250.43%
Q2 20250.95%
Q3 20251.13%
Q4 20251.09%
Q1 20260.88%
Q2 20260.42%
Return on assets
0.05%0.33%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.19%
Q4 20240.28%
Q1 20250.52%
Q2 20250.45%
Q3 20250.42%
Q4 20250.49%
Q1 20260.62%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$692.9M9.25%0.42%0.58%60.4%
Q1 202661$698.7M9.09%0.88%0.62%59.0%
Q4 202558$709.6M8.99%1.09%0.49%60.2%
Q3 202557$686.0M9.16%1.13%0.42%62.2%
Q2 202559$679.7M9.30%0.95%0.45%66.5%
Q1 202565$675.9M9.23%0.43%0.52%66.0%
Q4 202465$669.7M9.10%0.17%0.28%66.2%
Q3 202463$677.2M8.82%0.15%0.19%65.8%
Q2 202462$685.9M8.60%0.15%0.05%64.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.25%
16th
Total risk-based capital16.46%
75th
Problem loans0.42%
49th
Net charge-offs-0.00%
78th
Return on assets0.58%
14th
Net interest margin3.69%
36th
Efficiency ratio86.9%
8th
Loans to deposits60.4%
82nd
Uninsured deposits23.6%
51st
Loan-loss reserves1.09%
38th
Texas ratio2.6%
51st

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Commencement BankBank Tacoma, WA69 out of 100, Moderate$739.6M10.3%0.09%vs
Seattle BankBank Seattle, WA42 out of 100, Below average$891.4M10.3%2.81%vs
Mountain Pacific BankBank Everett, WA70 out of 100, Strong$896.4M11.5%0.67%vs
UniBankBank Lynnwood, WA50 out of 100, Below average$393.0M7.3%0.54%vs
Pacific Crest BankBank Lynnwood, WA66 out of 100, Moderate$318.5M11.1%0.47%vs
RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs

Deposit insurance

Is my money safe at Baker-Boyer National Bank?

Yes. Baker-Boyer National Bank is an FDIC-insured institution (FDIC certificate #2987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.6% of deposits ($149.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.46% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Baker-Boyer National Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Baker-Boyer National Bank reported 99 home-loan applications under HMDA (LEI 2549009AOX259OY87H37): 73 originated ($29,165,000 total), 4 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Baker-Boyer National Bank
Former names
The Baker-Boyer National Bank of Walla Walla
Type
National bank
FDIC certificate #
2987
RSSD ID
69678
Primary regulator
OCC
Holding company
Baker Boyer Bcorp
Established
November 10, 1869
Headquarters
7 W Main St, Walla Walla, WA 99362
Employees
175

Quick answers

Baker-Boyer National Bank: common questions

Is Baker-Boyer National Bank FDIC insured?

Yes. Baker-Boyer National Bank is an FDIC-insured institution (FDIC certificate #2987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Baker-Boyer National Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Baker-Boyer National Bank ever failed?

There is no failure record for FDIC certificate #2987 in the FDIC failed bank list.

How many branches does Baker-Boyer National Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Walla Walla

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Hapo Community Credit UnionCredit union Richland, WA80 out of 100, Strong$3.0B11.2%0.18%vs
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs