BlastPoint's Banking Scorecard

Banner Bank

$10B-$250B Specialty: Commercial WA FDIC cert 28489

Walla Walla, WA

147 branches across WA · OR · CA · ID · NV · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in WA.
Deposits +2.1% year over year ($13.9B on the books).
Delinquency rate 0.46%.
Return on assets 1.31%.
Efficiency ratio 60.03% vs a 53.67% peer average.
Loan-to-deposit ratio 85.41% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in WA

View $10B-$250B leaderboard (WA) →

Banner Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 11.4% in tier
+ Deposit Franchise: Top 55.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.7% in tier
- Credit Quality Pressure: Bottom 29.8% in tier
- ROA 0.08% below tier average
- Efficiency Ratio 6.36% above tier average

Get updates when Banner Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$16.6B +0.9% YoY +1.5% QoQ	-$27.0B	$43.6B -13.8% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	28%
Total Loans ?	$11.9B +2.5% YoY +2.4% QoQ	-$16.1B	$28.0B -8.6% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$13.9B +2.1% YoY -0.3% QoQ	-$21.5B	$35.4B -14.0% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	1.31% +11.9% YoY -5.3% QoQ	-0.08%	1.39% +25.9% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	4.11% +4.7% YoY +0.7% QoQ	+0.19%	3.92% +8.9% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	60.03% -1.7% YoY +2.1% QoQ	+6.36%	53.67% -1.9% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.46% +24.4% YoY +17.8% QoQ	-0.55%	1.01% -2.8% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	85.41% +0.4% YoY +2.7% QoQ	+2.80%	82.61% +3.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	32.83% -1.1% YoY +0.3% QoQ	+12.24%	20.58% +4.9% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 11.5% in tier
Nonperforming Asset Ratio ?	0.37% +20.5% YoY +15.4% QoQ	-0.37%	0.73% +5.8% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	12.71% -0.0% YoY -1.5% QoQ	-2.64%	15.35% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.23% +4.7% YoY +88.0% QoQ	-0.26%	0.50% +10.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Noninterest-Bearing	32.8% -0.4pp YoY +0.1pp QoQ	+11.8pp	21.0%	25.3%	22.2%	88%
Brokered Deposits	n/a	n/a	9.2%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	9.2% -0.6pp YoY +0.2pp QoQ	-8.0pp	17.2%	10.5%	12.5%	20%
CRE	63.5% +0.9pp YoY -0.1pp QoQ	+21.5pp	42.0%	50.6%	41.4%	89%
1-4 Family	21.2% -0.1pp YoY -0.1pp QoQ	-2.0pp	23.1%	30.1%	31.3%	45%
Consumer	0.7% -0.1pp YoY -0.1pp QoQ	-12.2pp	12.9%	7.9%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	12.7% 0.0pp YoY -0.2pp QoQ	-2.6pp	15.3%	12.7%	19.7%	45%
Leverage Ratio	11.2% +0.3pp YoY +0.1pp QoQ	+0.7pp	10.4%	10.7%	12.6%	76%
Total Capital Ratio	14.0% 0.0pp YoY -0.2pp QoQ	-2.6pp	16.5%	13.8%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	1,896 +19 (+1.0%) YoY -23 (-1.2%) QoQ	-1,362	3,258	343	482	46%
Assets per Employee ($)	$8.7M -0.1% YoY +2.8% QoQ	-$18.3M	$27.0M	$8.5M	$8.8M	19%
Branch Count	147 0 YoY 0 QoQ	+9	137	24	18	67%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.4%	33%
Nonaccrual	0.4% +0.1pp YoY +0.1pp QoQ	-0.3pp	0.7%	2.6%	1.0%	30%
Allowance Coverage	2.95x -21.0% YoY -16.3% QoQ	+0.14x	2.81x	4.50x	20.23x	79%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	11.0% +0.7pp YoY -0.6pp QoQ	-1.7pp	12.6%	-2.7%	11.6%	50%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.7pp	2.0%	1.8%	1.7%	14%
Net Income ($, YTD)	$107.5M +12.9% YoY — QoQ	-$189.3M	$296.8M	$14.3M	$40.4M	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#5 of 35 • Top 11.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.46%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#6 of 9 • Top 55.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.83%

(Tier: 20.58%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.11%

(Tier: 3.92%, National: 3.95%)

better than tier avg

9 of 9 Large banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#2 of 59 • Bottom 1.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#21 of 67 • Bottom 29.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.46%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.83%

Peer Median: 20.58%

#17 of 139 Top 11.5% in $10B-$250B

Net Interest Margin

profitability

Value: 4.11%

Peer Median: 3.92%

#30 of 139 Top 20.9% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.46%

Peer Median: 1.01%

#34 of 138 Top 23.9% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available