BlastPoint's Banking Scorecard
Baker-Boyer National Bank
Community
Specialty: Commercial
WA
FDIC cert 2987
Walla Walla, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Baker-Boyer National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33% in Community
- + Loan-to-Deposit Ratio 22.84% below tier
- + Non-Interest-Bearing Deposit Share 12.88% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 71% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$709.6M
+6.0% YoY
+3.4% QoQ
|
-$681.8M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$390.6M
+0.3% YoY
+1.7% QoQ
|
-$584.9M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$648.5M
+10.4% YoY
+5.2% QoQ
|
-$516.1M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.49%
+73.9% YoY
+16.8% QoQ
|
-0.67% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.50%
+14.4% YoY
+0.9% QoQ
|
-0.17% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
86.90%
-4.3% YoY
-1.2% QoQ
|
+24.27% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.10%
+545.2% YoY
-3.3% QoQ
|
+0.48% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
60.22%
-9.1% YoY
-3.2% QoQ
|
-22.84% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.92%
-10.0% YoY
-5.1% QoQ
|
+12.88% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.61%
+511.0% YoY
-4.9% QoQ
|
+0.11% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.01%
+3.0% YoY
-0.7% QoQ
|
+4.76% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
1.97%
-3.3% YoY
+33.7% QoQ
|
+1.23% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#124 of 371 · Top 33% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.97%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.49%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
60.22%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Community
Why this stands out
Current:
33.92%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Efficiency Drag
risk
#108 of 152 · Bottom 71% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.90%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.97% · Tier avg: 0.74%
92
92th pctile
Loan-to-Deposit Ratio
Current: 60.22% · Tier avg: 83.06%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.92% · Tier avg: 21.05%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.01% · Tier avg: 10.24%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
33
33th pctile
Total Deposits
Current: $648.5M · Tier avg: $1.2B
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
28
28th pctile
Total Assets
Current: $709.6M · Tier avg: $1.4B
23
23th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.63%
13
13th pctile
Total Loans
Current: $390.6M · Tier avg: $975.5M
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
13
13th pctile
Total Loans
Current: $390.6M · Tier avg: $975.5M
23
23th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.63%
28
28th pctile
Total Assets
Current: $709.6M · Tier avg: $1.4B
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
33
33th pctile
Total Deposits
Current: $648.5M · Tier avg: $1.2B
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.01% · Tier avg: 10.24%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.92% · Tier avg: 21.05%
92
92th pctile
Loan-to-Deposit Ratio
Current: 60.22% · Tier avg: 83.06%
95
95th pctile
Non-Interest Income / Assets
Current: 1.97% · Tier avg: 0.74%