BlastPoint's Banking Scorecard
Banner Bank
Mid-Market
Specialty: Commercial
WA
FDIC cert 28489
Walla Walla, WA
201
banks in Mid-Market tier nationally
3 in WA
View Mid-Market leaderboard (WA) →
Banner Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 71% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14% in Mid-Market
- - Credit Quality Pressure: Bottom 21% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.3B
+0.8% YoY
-1.3% QoQ
|
+$5.9B |
$10.5B
+2.9% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$11.6B
+3.3% YoY
+0.4% QoQ
|
+$4.5B |
$7.1B
+4.5% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$13.8B
+1.6% YoY
-1.9% QoQ
|
+$5.3B |
$8.5B
+3.0% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.24%
+10.5% YoY
+2.2% QoQ
|
+0.08% |
1.16%
+9.4% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.01%
+4.9% YoY
+1.1% QoQ
|
+0.61% |
3.40%
+7.9% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
60.12%
-2.4% YoY
-0.1% QoQ
|
+3.51% |
56.60%
-3.2% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.39%
+19.5% YoY
+13.6% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
84.02%
+1.7% YoY
+2.3% QoQ
|
-1.46% |
85.47%
+1.1% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
32.56%
-3.7% YoY
+0.2% QoQ
|
+11.93% |
20.64%
-0.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.31%
+29.2% YoY
+14.5% QoQ
|
-0.19% |
0.50%
+7.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.89%
+0.6% YoY
-0.2% QoQ
|
-0.66% |
13.55%
+1.8% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.45%
-0.1% YoY
+32.5% QoQ
|
-0.50% |
0.96%
+7.1% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#16 of 22 · Top 71% in Mid-Market
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:
32.56%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.01%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (2)
Credit Risk Growth
risk
#13 of 87 · Bottom 14% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#25 of 113 · Bottom 21% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.39%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 32.56% · Tier avg: 20.64%
85
85th pctile
Total Deposits
Current: $13.8B · Tier avg: $8.5B
85
85th pctile
Total Assets
Current: $16.3B · Tier avg: $10.5B
84
84th pctile
Total Loans
Current: $11.6B · Tier avg: $7.1B
79
79th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.40%
70
70th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
56
56th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 13.55%
42
42th pctile
Loan-to-Deposit Ratio
Current: 84.02% · Tier avg: 85.47%
36
36th pctile
Efficiency Ratio
Current: 60.12% · Tier avg: 56.60%
28
28th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.96%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.96%
36
36th pctile
Efficiency Ratio
Current: 60.12% · Tier avg: 56.60%
42
42th pctile
Loan-to-Deposit Ratio
Current: 84.02% · Tier avg: 85.47%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 13.55%
56
56th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
79
79th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.40%
84
84th pctile
Total Loans
Current: $11.6B · Tier avg: $7.1B
85
85th pctile
Total Assets
Current: $16.3B · Tier avg: $10.5B
85
85th pctile
Total Deposits
Current: $13.8B · Tier avg: $8.5B
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 32.56% · Tier avg: 20.64%