Baker-Boyer National Bank

7 West Main St
Walla Walla, WA 99362

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2987
Date Established 1869
Assets $0.60 billion
Loans $0.28 billion
Deposits $0.53 billion
Capital $0.05 billion

Baker-Boyer National Bank is an FDIC insured institution located in Walla Walla, WA. It was founded in 1869 and has approximately $0.6 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Baker-Boyer National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Baker-Boyer National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Baker-Boyer National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.68
Multifamily
Mortgages
3.33
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 13.40
Construction and Development Loans 1.46
Commercial Real Estate 33.71
Commercial and Industrial Loans 19.35
Farm Loans 7.50

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.05% $2,500 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.05% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.02% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.07% $2,500 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.02% $1 $4,999 Learn MoreShow Less
MM 10K
0.02% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.03% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Baker-Boyer National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Baker-boyer National Bank Locations

Financial Details

Baker-Boyer National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baker-Boyer National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Baker-Boyer National Bank U.S. Bank Average
1.91% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Baker-Boyer National Bank had $1,105,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $51,546,000 in equity and $6,223,000 in loans loss reserves. That gives it a Texas Ratio of 1.91%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Baker-Boyer National Bank U.S. Bank Average
10.34% 8.58

Baker-Boyer National Bank has a Return on Equity of 10.34% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Baker-Boyer National Bank U.S. Bank Average
8.57% 12.11

Baker-Boyer National Bank has a Capitalization of 8.57% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Baker-Boyer National Bank Balance Sheet Analysis

As of June 30, 2017, Baker-Boyer National Bank had assets of $601,407,000, loans of $277,993,000, and deposits of $526,634,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Baker-Boyer National Bank

Branches and Savings

Is Baker-Boyer National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2987.

Why does Baker-Boyer National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Baker-Boyer National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Baker-Boyer National Bank a commercial bank?

Yes

Where are Baker-Boyer National Bank locations?

See branch locations nearby.

Is Baker-Boyer National Bank open on Saturdays?

Is Baker-Boyer National Bank open on Sundays?

What time does Baker-Boyer National Bank open?

What time does Baker-Boyer National Bank close?

Are Baker-Boyer National Bank ATMs Open 24/7?

Do Baker-Boyer National Bank ATMs accept cash deposits?

Can Baker-Boyer National Bank customers use other ATMs?

Do Baker-Boyer National Bank branches have notaries?

Will Baker-Boyer National Bank notarize my document?

What address for Baker-Boyer National Bank should I put for incoming ACH transfers?

Will the Baker-Boyer National Bank branch print checks?

Do Baker-Boyer National Bank checks expire?

Does Baker-Boyer National Bank require US citizenship to open account?

Can Baker-Boyer National Bank close my account?

Does Baker-Boyer National Bank Report to credit bureaus?

Does Baker-Boyer National Bank Use Equifax?

What is Baker-Boyer National Bank's ACH Routing Number?

What is Baker-Boyer National Bank's SWIFT code?

Products

Does Baker-Boyer National Bank offer mortgages?

Compare mortgage rates here.

Does Baker-Boyer National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Baker-Boyer National Bank offer personal loans?

Compare personal loan rates here.

Does Baker-Boyer National Bank offer student loans?

Will Baker-Boyer National Bank cash a check?

Will Baker-Boyer National Bank redeem a savings bond?

Does Baker-Boyer National Bank cash savings bonds?

Will Baker-Boyer National Bank cash money orders?

Can Baker-Boyer National Bank issue a money order?

Does Baker-Boyer National Bank do currency exchange?

Background on The Bank

Who owns Baker-Boyer National Bank?

How long has Baker-Boyer National Bank been around?

Can Baker-Boyer National Bank transfer to other banks?

Does Baker-Boyer National Bank have quick pay?

Does Baker-Boyer National Bank accept rolled coins?

Will Baker-Boyer National Bank accept loose change?

Where is Baker-Boyer National Bank headquarters?

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