# BAKER-BOYER NATIONAL BANK
WALLA WALLA, WA · FDIC certificate 2987 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $692.9M | |
| Deposits | $632.3M | |
| Loans and leases | $386.1M | |
| Total equity | $58.9M | |
| Loans / deposits | 60.40% (p13 of band) | 82.04% |
| Liquid assets / assets | 40.81% (p83 of band) | |
| Uninsured deposits / deposits | 23.65% (p42 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -9.72% (p44 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 0.58% (p13 of band) | 1.28% |
| Net interest margin | 3.69% (p37 of band) | 3.91% |
| Efficiency ratio | 86.94% (p93 of band) | |
| Noncurrent loans | 0.42% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 258.40% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 26.53% (p32 of band) | |
| Auto loans | $28,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 175 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, assets shrinking |  |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 4 |  | uninsured deposits leaving |
| 2023-12 | 5 | uninsured deposits leaving |  |
| 2024-03 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 4 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 3 |  | uninsured deposits leaving |
| 2025-03 | 0 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2025-06 | 1 | expense ratio p90 |  |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 1 |  | reserve under noncurrent, capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-11-26 [Walla Walla’s Baker Boyer National Bank Is Six Generations Strong and Still Thriving - Seattle Business magazine](https://news.google.com/rss/articles/CBMivAFBVV95cUxOMU5TRkRXbXdHRjVyR0c1OFU4WS04bGJpUXotYVJWcFBZbzFJaGtyQzVSeHFkcjlPYTNVeGtndHVoZm5MSE9pdFgzY1U5VTh2SVlPYnBjNzlsbWQxUDdBYWxqSVZURVR1U0dYZFcyRWxCVU44MnJ1RXdsMkZIS0VvQW9jYUhBV2RvcS1jckwzdHpOcF9PMUpObWV5TmRJc2xWc0pEeVg4RW1RVk9IRUZqa3FZbkMtMUEtTkY4Rg?oc=5) · Seattle Business magazine
- 2010-01-11 [Megan Clubb Appointed to Portland Branch Federal Reserve Board - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQQ2JuTjk5WHNTMzNsX3g4RnNtRHJ2NjBuVnUxTHhpZ2NXSnRzVXNvNllTUFY5NUpMUzJHNTRFcTByanhlU0QzVmdUT3BxYzc2cjhjM00tTzFsZmlIcDFDdGdFWFhDc0xuTEZmeEFhazE5c2pibjRyZ3htaUFDOXNRcURza3g4RDlQTmxqZm9RRDd5NWxTVXlOWUE5VVNnbTF2b29jRDhVcHotV1hVRkNJem14bEFGaHM4d29TRm9vVnZvQ1J4WFlXckxTaXJsS01ILWFQRFp3?oc=5) · Federal Reserve Bank of San Francisco
- 2011-12-20 [Federal Reserve Bank of San Francisco Elects Megan Clubb and Richard Galanti to its Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZ3c3QTNyMEtTaTdLTk93THdXQm82cWctamFtMkpNeHNTaEU4ZnRleUtoQ0NueWVHTGpOT3ltYUhkRUl0NFJEdTRQb1U5ZEZhTmV6Vm1pLTE1Mjd3X0w4OVpsVnFQeXJ3dkNsazlMYmswTmk4cndNUUplYXNkdWNWYktjbGwtWHRDQlZ0cHJuNjBjQUVsUWNfYXQ2RUpDMzB1cHU0UzhVMVB4WHg3V0VISloyVFN2cms?oc=5) · Federal Reserve Bank of San Francisco
- 2025-05-16 [Tesla, Netflix, Philip Morris among those pushing WA governor for tax vetoes - Washington State Standard](https://news.google.com/rss/articles/CBMivwFBVV95cUxPWTVXSldLb2w5UE5TYWtkMmh2MVpTQWpnOERWY2RkbGpQby1nTUhKcjFTOHNhcnp2OTNJalZmY29CTlJKN2VzRk9pd3luUVlOVi12TFpFdU9laU5yWEloY1NMLUx1eGIxdENtWnhpMkJKVWVGOFFGUmdBZnNYRUZNdlFKTWU1cjJ1emVwNTFhMkNvSXMyQ3ZLN29MbFAxekczNDhOUnVVdmVpeG5lTTF3ckhXckI2X3pkTFVqRVppbw?oc=5) · Washington State Standard
- 2023-02-03 [Wineries donate true club wine for 100-year-old Walla Walla Country Club - Great Northwest Wine](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbThZbC1FZ3NaMlJiUEY5elk1VGt0Q0FBcE9rbHVqa0lSaWhSWTZQWXpsRUVKcXdmb0VQWktmamk0NUNwYnItdUo4Tk5nMFdpSXdrVTU1UFUwc2E2a2o3TnJGck9ZQWFOYkxpUjhoeFNBdGRvbVZZNVhtRTM2M3NCb2p2SlBjY19POWViczlwazVPRU0xVnphT2dkOFY5dEFDNzIyVnRCQWFsbWducWIxYnFtWEs1Zw?oc=5) · Great Northwest Wine
- 2013-01-08 [Bank of Hawaii CEO Peter Ho elected to Federal Reserve board - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPN2tqV1N1UEY2RjJWZHBuVU16TV9JOUlPOGlWSWhvTEY0YkpoczZRQUJTM29vYU9fd083LV9ZdzAxOHhPZ2paQW14TmFxamRvUHZLb0QyekRJdDdnQ2VFdHJya0kzeGk1VXQ2YjRENURmc0VkUWZRa25wY2N2T3h6c0NvaUZFY1B2MzF5MlMxZTd4RTAzNm1pa1hHcw?oc=5) · The Business Journals
- 2023-01-16 [Susan Campbell Pratt Obituary (1944 - 2023) - Walla Walla, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOekVWaUo4M0V1SmJ1YzdIZHdWZHlYMm5wUTU1X052SXBybWxkNDZDYThyOHN2N3BnZkVxQUFkcXdjaTIwQTdNOE5Hb0dMcEZ2R0dEbWM5anZtbXRyVVNaemNYR2xKTThOVEtFVjJ4bmNZak5vMWpyLTJvZ2lJWndzOGw4cV9tSE9MZzZQM0s2WW1ZeUU4cGc?oc=5) · legacy.com
- 2018-01-15 [A forgotten dream: The unrealized Gothic structure planned for Walla Walla’s First Congregational Church - Union-Bulletin](https://news.google.com/rss/articles/CBMiuwJBVV95cUxQRmNobFg3ZXFHZjdUYWt4RUpQRDU5QmMta2hkdWREZDZHVFZSR3BZOU8tV3hRclF4TFFGSXZicHhSWkZaWldMaWdoQ0J5bUNWTThuWmFRYWNCaUM3SVpxMkd6ejVkRHhrOERhZlVqdHJJeFhpXzZ4dWJsQVhTbFdrNU9YV0VlT19kT0JNMlpfU2NQYzV5ZmFlX0JwM0xtSk5tVjZBOUZkb3gxMFRLUkMxM1F2QktOWUFZNC1CZk5tMnpGUm1pZC1GQ0ZqQlVxOS1EMHdabWpEOVc0RHdPRzZ1MEcxS3piQXMtdG5ocU02YTRBUXpyM1FiOUktQV9ETWtLelJJTDlnUHdRUkhTaHN6Nm1DLTV2LVVWS00tbzNRdy1aOF9lRkFHNjZBRk9MeEFRM2dHUkZwYmk5Wm8?oc=5) · Union-Bulletin

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2987 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "2987", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide