Baker-Boyer National Bank

Headquarters

7 W Main St
Walla Walla, WA 99362
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.08% →
1-Year CD N.A. 4.71% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage 7.64% 4.91% →
15-Year Mortgage 6.91% 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

Baker-Boyer National Bank is an FDIC insured institution located in Walla Walla, WA. It was founded in 1869 and has approximately $0.79 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 2987
Date Established 1869
Assets $ 793.24 million
Loans $ 345.50 million
Deposits $ 727.79 million
Capital $ 43.32 million
 

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.

Deposit Rates - December 4, 2022

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 4, 2022

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



Climate Initiatives

Baker-Boyer National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
2.95% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, Baker-Boyer National Bank had $1,030,000 in non-current loans and $345,000 in owned real estate. To cover these potential losses it had $43,317,000 in equity and $3,248,000 in loans loss reserves. That gives it a Texas Ratio of 2.95%.

Return on Equity
Baker-Boyer National Bank U.S. Bank Average
20.62% 9.98%

Baker-Boyer National Bank has a Return on Equity of 20.62% versus the BestCashCow average of 9.98%. 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
5.46% 10.23%

Baker-Boyer National Bank has a Capitalization of 5.46% versus the BestCashCow average of 10.23. 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, 2022, Baker-Boyer National Bank had assets of $793,236,000, loans of $345,495,000, and deposits of $727,793,000. 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.

Summary Balance Sheet

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 64.17 million
Interest-bearing balances $ 60.27 million
Total securities $ 349.13 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 345.50 million
Loan loss allowance $ 3.25 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.35 million
Goodwill and other intangibles $ 0.22 million
All other assets $ 11.92 million
     Total Assets $ 749.92 million
LIABILITIES
Total deposits $ 727.79 million
      Interest-bearing deposits $ 442.58 million
      Deposits held in domestic offices $ 727.79 million
      % insured (estimated) 70.12%
Federal funds purchased and repurchase agreements $ 21.29 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.84 million
      Total Liabilities $ 749.92 million
      Shareholders’ Equity $ 43.32 million

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 10.00 million
Total Interest Expense $ 0.10 million
Net interest income $ 9.89 million
Provision for loan and lease losses N.A.
Total non interest income $ 7.16 million
Total non interest expense $ 14.49 million
Pre-tax Net Operating Income $ 6.47 million

Bank Loan Profile?

The top three loan types in Baker-Boyer National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business 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 41.78
Multifamily
Mortgages
2.82
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 12.54
Construction and Development Loans 0.80
Commercial Real Estate 32.68
Commercial and Industrial Loans 11.51
Farm Loans 5.33

Customer Reviews for Baker-Boyer National Bank


  • September 5, 2020 |

    My investment accounts managed by them are the worst of all of my accounts. In the last 10 years any gain they have made has been offers by fees.

    The tag my loan account with late fees despite my on time payments. It’s nuts. I wish I hadn’t ever walked in their door.

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