BlastPoint's Banking Scorecard

Baker-Boyer National Bank

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

Walla Walla, WA

7 branches across WA

2664 banks in the $100M-$1B peer group nationally 10 in WA

Baker-Boyer National Bank has 2 strengths but faces 3 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 20.6% in tier
+ Non-Interest-Bearing Deposit Share 12.95% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 46.4% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.36% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$698.7M +3.4% YoY -1.5% QoQ	+$312.6M	$386.1M +0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	Top 12.7% in tier
Total Loans ?	$375.8M -4.2% YoY -3.8% QoQ	+$120.1M	$255.7M +1.1% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$637.1M +7.3% YoY -1.8% QoQ	+$309.1M	$328.0M +0.1% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	Top 10.4% in tier
Return on Assets ?	0.62% +19.4% YoY +24.6% QoQ	-0.65%	1.27% +12.9% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.57% +7.8% YoY +2.0% QoQ	-0.36%	3.93% +6.0% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	85.75% -2.0% YoY -1.3% QoQ	+20.46%	65.29% -4.5% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	Bottom 9.7% in tier
Delinquency Rate ?	0.89% +104.3% YoY -19.3% QoQ	+0.00%	0.89% +18.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	58.98% -10.7% YoY -2.1% QoQ	-17.66%	76.64% +0.8% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	34.97% -4.3% YoY +3.1% QoQ	+12.95%	22.02% -1.0% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	Top 9.9% in tier
Nonperforming Asset Ratio ?	0.48% +89.4% YoY -21.2% QoQ	-0.16%	0.64% +19.7% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	15.43% +5.4% YoY +2.8% QoQ	-0.40%	15.83% +1.5% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.52% +3.2% YoY -73.8% QoQ	+0.24%	0.28% +9.3% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	Top 3.2% in tier

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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 (1)

Revenue Diversifier

growth

#138 of 666 • Top 20.6% 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: 0.52%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.62%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#193 of 414 • Bottom 46.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.75%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.28%

#87 of 2664 Top 3.2% in $100M-$1B

264

Non-Interest-Bearing Deposit Share

funding

Value: 34.97%

Peer Median: 22.02%

#264 of 2664 Top 9.9% in $100M-$1B

278

Total Deposits

size

Value: $637.12M

Peer Median: $327.97M

#278 of 2664 Top 10.4% in $100M-$1B

340

Total Assets

size

Value: $698.67M

Peer Median: $386.08M

#340 of 2664 Top 12.7% in $100M-$1B

466

Loan-to-Deposit Ratio

liquidity

Value: 58.98%

Peer Median: 76.64%

#466 of 2664 Top 17.5% in $100M-$1B

614

Total Loans

size

Value: $375.77M

Peer Median: $255.72M

#614 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2407

Efficiency Ratio

profitability

Value: 85.75%

Peer Median: 65.29%

#2407 of 2664 Bottom 9.7% in $100M-$1B

2217

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.27%

#2217 of 2664 Bottom 16.8% in $100M-$1B