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Banner Bank
Walla Walla, WA·FDIC Cert #28489·Charter: STATE·Est. 18900101.0·HC: BANNER CORP
Total Assets
$16.3B
Q4 2025
Return on Assets
1.24%
+0.03%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.12%
Peer avg: 55.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.24%+0.03
ROE
10.79%+0.14
Efficiency
60.12%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.39%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.02%+1.87
Charge-offs
0.06%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 |
| ROE | 9.4 | 9.6 | 9.9 | 10.1 | 10.3 | 10.3 | 10.7 | 10.8 |
| Efficiency | 62.6 | 62.8 | 62.1 | 61.6 | 61.5 | 61.1 | 60.2 | 60.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.3 | 0.3 | 0.4 | 0.3 | 0.4 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 80.8 | 83.7 | 81.9 | 82.6 | 82.7 | 85.1 | 82.1 | 84.0 |
Balance Sheet
Total Assets$16.3B
Total Deposits$13.8B
Total Loans$11.6B
Total Equity$2.0B
Profitability
ROA1.24%
ROE10.79%
Efficiency Ratio60.12%
Net Income$203.4M
Risk & Asset Quality
NPL Ratio0.39%
Charge-off Rate0.06%
Loan/Deposit84.02%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans