The Bank of Baker

116 S Main Street
Baker, MT 59313

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 352
Date Established 1924
Assets $0.14 billion
Loans $0.09 billion
Deposits $0.12 billion
Capital $0.02 billion

The Bank of Baker is an FDIC insured institution located in Baker, MT. It was founded in 1924 and has approximately $0.14 billion in assets.

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

Deposit Rates - August 24, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.90% $1 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.10% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $1,000 - Learn MoreShow Less
12 Mo CD
1.76% $1,000 - Learn MoreShow Less
18 Mo CD
2.01% $1,000 - Learn MoreShow Less
30 Mo CD
2.27% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.02% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.80% $1 - Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for The Bank of Baker

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to The Bank of Baker
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Branches

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The Bank of Baker Locations


Financial Details

The Bank of Baker Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Bank of Baker. 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
The Bank of Baker U.S. Bank Average
7.01% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2019, The Bank of Baker had $915,000 in non-current loans and $379,000 in owned real estate. To cover these potential losses it had $17,110,000 in equity and $1,362,000 in loans loss reserves. That gives it a Texas Ratio of 7.01%.

Return on Equity
The Bank of Baker U.S. Bank Average
16.63% 9.47%

The Bank of Baker has a Return on Equity of 16.63% versus the BestCashCow average of 9.47%. 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
The Bank of Baker U.S. Bank Average
12.4% 12.49%

The Bank of Baker has a Capitalization of 12.4% versus the BestCashCow average of 12.49. 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.

The Bank of Baker Balance Sheet Analysis

As of March 31, 2019, The Bank of Baker had assets of $138,002,000, loans of $91,959,000, and deposits of $120,357,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.12 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.11 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 57.47%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.12 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Bank of Baker’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and Construction and Development Loans.

Compared to other banks in Montana, The Bank of Baker has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 4.75
Multifamily
Mortgages
1.84
Credit Card Loans 0.00
Consumer Auto Loans 0.91
Small Business Loans 0.00
Construction and Development Loans 14.54
Commercial Real Estate 12.08
Commercial and Industrial Loans 18.92
Farm Loans 14.68

Frequently Asked Questions About The Bank Of Baker

Branches and Savings

Is The Bank Of Baker FDIC insured?

Yes. It is covered under FDIC Certificate #352.

Why does The Bank Of Baker pay such low interest on savings accounts?

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

Why are The Bank Of Baker CD rates not competitive?

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

Is The Bank Of Baker a commercial bank?

Yes

Where are The Bank Of Baker locations?

See branch locations nearby.

Is The Bank Of Baker open on Saturdays?

Is The Bank Of Baker open on Sundays?

What time does The Bank Of Baker open?

What time does The Bank Of Baker close?

Are The Bank Of Baker ATMs Open 24/7?

Do The Bank Of Baker ATMs accept cash deposits?

Can The Bank Of Baker customers use other ATMs?

Do The Bank Of Baker branches have notaries?

Will The Bank Of Baker notarize my document?

What address for The Bank Of Baker should I put for incoming ACH transfers?

Will the The Bank Of Baker branch print checks?

Do The Bank Of Baker checks expire?

Does The Bank Of Baker require US citizenship to open account?

Can The Bank Of Baker close my account?

Does The Bank Of Baker Report to credit bureaus?

Does The Bank Of Baker Use Equifax?

What is The Bank Of Baker's ACH Routing Number?

What is The Bank Of Baker's SWIFT code?

Products

Does The Bank Of Baker offer mortgages?

Compare mortgage rates here.

Does The Bank Of Baker offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Bank Of Baker offer personal loans?

Compare personal loan rates here.

Does The Bank Of Baker offer student loans?

Will The Bank Of Baker cash a check?

Will The Bank Of Baker redeem a savings bond?

Does The Bank Of Baker cash savings bonds?

Will The Bank Of Baker cash money orders?

Can The Bank Of Baker issue a money order?

Does The Bank Of Baker do currency exchange?

Background on The Bank

Who owns The Bank Of Baker?

How long has The Bank Of Baker been around?

Can The Bank Of Baker transfer to other banks?

Does The Bank Of Baker have quick pay?

Does The Bank Of Baker accept rolled coins?

Will The Bank Of Baker accept loose change?

Where is The Bank Of Baker headquarters?

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