BlastPoint's Banking Scorecard

Baker-Boyer National Bank

$100M-$1B Specialty: Commercial WA FDIC cert 2987

Walla Walla, WA

7 branches across WA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 10 in WA.
Deposits +5.3% year over year ($632.3M on the books).
Delinquency rate 0.43%.
Return on assets 0.58%.
Efficiency ratio 86.94% vs a 64.48% peer average.
Loan-to-deposit ratio 60.40% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 10 in WA

View $100M-$1B leaderboard (WA) →

Baker-Boyer National 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

+ Revenue Diversifier: Top 20.4% in tier
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 28.2% in tier
- Efficiency Ratio 22.46% above tier average
- ROA 0.75% below tier average
- Net Interest Margin 0.30% below tier average

Get updates when Baker-Boyer National 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 ?	$692.9M +1.9% YoY -0.8% QoQ	+$306.3M	$386.6M +1.2% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	Top 12.7% in tier
Total Loans ?	$381.9M -4.4% YoY +1.6% QoQ	+$123.5M	$258.3M +1.7% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$632.3M +5.3% YoY -0.8% QoQ	+$305.6M	$326.7M +0.7% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	Top 10.4% in tier
Return on Assets ?	0.58% +28.1% YoY -6.7% QoQ	-0.75%	1.32% +10.8% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	Bottom 14.4% in tier
Net Interest Margin ?	3.69% +7.3% YoY +3.4% QoQ	-0.30%	3.99% +5.0% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	86.94% -1.7% YoY +1.4% QoQ	+22.46%	64.48% -3.2% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 7.8% in tier
Delinquency Rate ?	0.43% -55.5% YoY -52.1% QoQ	-0.49%	0.92% +15.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	50%
Loan-to-Deposit Ratio ?	60.40% -9.2% YoY +2.4% QoQ	-17.55%	77.95% +1.0% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	33.26% -6.8% YoY -4.9% QoQ	+11.23%	22.03% -0.6% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 11.9% in tier
Nonperforming Asset Ratio ?	0.24% -58.3% YoY -50.9% QoQ	-0.43%	0.67% +16.4% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	15.43% +6.4% YoY +0.0% QoQ	-0.48%	15.91% +1.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	1.05% +6.9% YoY +103.4% QoQ	+0.48%	0.57% +7.6% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	Top 3.1% in tier

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	33.3% -2.4pp YoY -1.7pp QoQ	+11.1pp	22.1%	25.3%	22.2%	88%
Brokered Deposits	n/a	n/a	7.9%	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	12.6% -0.6pp YoY -0.5pp QoQ	+1.0pp	11.6%	10.5%	12.5%	66%
CRE	37.4% -1.9pp YoY -1.3pp QoQ	-2.1pp	39.5%	50.6%	41.4%	48%
1-4 Family	39.8% +2.6pp YoY -0.4pp QoQ	+7.2pp	32.6%	30.1%	31.3%	70%
Consumer	0.5% 0.0pp YoY 0.0pp QoQ	-3.6pp	4.1%	7.9%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	15.4% +0.9pp YoY 0.0pp QoQ	-3.4pp	18.8%	12.7%	19.7%	54%
Leverage Ratio	9.3% 0.0pp YoY +0.2pp QoQ	-2.9pp	12.2%	10.7%	12.6%	16%
Total Capital Ratio	16.5% +1.0pp YoY 0.0pp QoQ	-3.5pp	19.9%	13.8%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	175 -6 (-3.3%) YoY -2 (-1.1%) QoQ	+116	58	343	482	99%
Assets per Employee ($)	$4.0M +5.4% YoY +0.3% QoQ	-$3.6M	$7.5M	$8.5M	$8.8M	4%
Branch Count	7 0 YoY 0 QoQ	+2	4	24	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY	-0.3pp	0.3%	0.4%	0.4%	5%
Nonaccrual	0.4% -0.3pp YoY -0.5pp QoQ	-0.5pp	0.9%	2.6%	1.0%	48%
Allowance Coverage	2.58x +143.5% YoY +107.3% QoQ	-21.57x	24.15x	4.50x	20.23x	54%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.4%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	6.9% +1.3pp YoY -0.5pp QoQ	-5.3pp	12.2%	-2.7%	11.6%	20%
Cost of Funds (YTD)	0.8% -0.1pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.8%	1.7%	5%
Net Income ($, YTD)	$2.0M +32.9% YoY — QoQ	-$541K	$2.6M	$14.3M	$40.4M	52%

Get Full Access to Baker-Boyer National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Revenue Diversifier

growth

#136 of 661 • Top 20.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.05%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.58%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#150 of 529 • Bottom 28.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.58%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.05%

Peer Median: 0.57%

#84 of 2643 Top 3.1% in $100M-$1B

275

Total Deposits

size

Value: $632.29M

Peer Median: $326.73M

#275 of 2643 Top 10.4% in $100M-$1B

315

Non-Interest-Bearing Deposit Share

funding

Value: 33.26%

Peer Median: 22.03%

#315 of 2643 Top 11.9% in $100M-$1B

336

Total Assets

size

Value: $692.86M

Peer Median: $386.57M

#336 of 2643 Top 12.7% in $100M-$1B

467

Loan-to-Deposit Ratio

liquidity

Value: 60.40%

Peer Median: 77.95%

#467 of 2643 Top 17.6% in $100M-$1B

604

Total Loans

size

Value: $381.89M

Peer Median: $258.35M

#604 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2438

Efficiency Ratio

profitability

Value: 86.94%

Peer Median: 64.48%

#2438 of 2643 Bottom 7.8% in $100M-$1B

2264

Return on Assets

profitability

Value: 0.58%

Peer Median: 1.32%

#2264 of 2643 Bottom 14.4% in $100M-$1B