BlastPoint's Banking Scorecard
Banner Bank
Walla Walla, WA
147 branches across WA · OR · CA · ID · NV · UT
Banner Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.6% in tier
- + Deposit Franchise: Top 40.0% in tier
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.1% in tier
- - Credit Quality Pressure: Bottom 9.7% in tier
- - Efficiency Ratio 4.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.3B
+0.9% YoY
-0.1% QoQ
|
-$30.6B |
$47.0B
-1.9% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$11.6B
+2.4% YoY
-0.2% QoQ
|
-$17.8B |
$29.4B
-0.4% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$13.9B
+1.8% YoY
+0.8% QoQ
|
-$24.5B |
$38.4B
-1.6% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.38%
+18.5% YoY
+11.1% QoQ
|
+0.10% |
1.28%
+18.7% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
4.08%
+4.8% YoY
+1.8% QoQ
|
+0.31% |
3.77%
+5.8% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
58.82%
-4.4% YoY
-2.2% QoQ
|
+4.81% |
54.01%
-3.7% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.39%
+13.9% YoY
-0.2% QoQ
|
-0.62% |
1.02%
-3.8% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
83.14%
+0.6% YoY
-1.0% QoQ
|
+2.36% |
80.79%
+1.9% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
32.73%
-2.2% YoY
+0.5% QoQ
|
+12.69% |
20.04%
+0.2% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Top 11.7% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+20.7% YoY
+1.0% QoQ
|
-0.41% |
0.72%
+4.2% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.91%
-0.0% YoY
+0.1% QoQ
|
-2.61% |
15.51%
-0.4% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.12%
+5.5% YoY
-72.7% QoQ
|
-0.10% |
0.22%
+0.3% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
36% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.