The Bank of Baker (FDIC certificate #352) is based in Baker, Montana. Its Q2 2026 call report shows $160.9M in total assets and $142.2M in deposits and 1 office.
Based on its Q2 2026 filing, The Bank of Baker scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 11th. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is capital cushion (59/100; 10.85%).
TellerScore · Q2 2026
Scorecard
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 5 points (69 → 74), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 66 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.49% |
| Q3 2024 | 10.69% |
| Q4 2024 | 10.87% |
| Q1 2025 | 10.95% |
| Q2 2025 | 11.03% |
| Q3 2025 | 11.02% |
| Q4 2025 | 10.51% |
| Q1 2026 | 10.77% |
| Q2 2026 | 10.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.43% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.88% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.73% |
| Q1 2025 | 1.30% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $160.9M | 10.85% | 0.72% | 1.52% | 62.4% |
| Q1 2026 | 73 | $165.1M | 10.77% | 0.76% | 1.50% | 59.9% |
| Q4 2025 | 70 | $162.7M | 10.51% | 1.00% | 1.45% | 59.8% |
| Q3 2025 | 71 | $157.0M | 11.02% | 0.88% | 1.37% | 61.9% |
| Q2 2025 | 69 | $157.6M | 11.03% | 0.89% | 1.08% | 60.8% |
| Q1 2025 | 66 | $154.3M | 10.95% | 1.43% | 1.30% | 58.8% |
| Q4 2024 | 70 | $162.5M | 10.87% | 1.31% | 1.73% | 57.7% |
| Q3 2024 | 70 | $152.3M | 10.69% | 1.01% | 1.39% | 64.7% |
| Q2 2024 | 68 | $156.4M | 10.49% | 1.01% | 1.23% | 64.5% |
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).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| First State Bank of ForsythBank Forsyth, MT | 71 out of 100, Strong | $165.5M | 12.1% | 1.69% | vs |
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |
| The First State Bank of ShelbyBank Shelby, MT | 93 out of 100, Very strong | $175.6M | 19.4% | 0.00% | vs |
| Eagle BankBank Polson, MT | 92 out of 100, Very strong | $179.5M | 13.0% | 0.00% | vs |
| Pioneer State BankBank Deer Lodge, MT | 70 out of 100, Strong | $133.5M | 16.8% | 0.59% | vs |
Deposit insurance
Is my money safe at The Bank of Baker?
Yes. The Bank of Baker is an FDIC-insured institution (FDIC certificate #352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($41.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Bank of Baker lists 1 office in 1 city. Most locations:
- Baker, MT (1)
Identity & history
Profile
- Legal name
- The Bank of Baker
- Type
- State-chartered bank
- FDIC certificate #
- 352
- RSSD ID
- 222558
- Primary regulator
- FDIC
- Holding company
- United Bcorp
- Established
- September 20, 1924
- Headquarters
- 116 S Main St, Baker, MT 59313
- Website
- www.bankofbaker.com
- Employees
- 22
Quick answers
The Bank of Baker: common questions
Is The Bank of Baker FDIC insured?
Yes. The Bank of Baker is an FDIC-insured institution (FDIC certificate #352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Baker's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of Baker ever failed?
There is no failure record for FDIC certificate #352 in the FDIC failed bank list.
How many branches does The Bank of Baker have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baker
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grasslands Federal Credit UnionCredit union Circle, MT | 88 out of 100, Very strong | $141.5M | 13.5% | 0.05% | vs |