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The Bank Of Baker
Baker, MT · FDIC Certificate #352 · Chartered 09/2
Total assets
$160.90M
Total deposits
$142.18M
Total equity
$17.63M
Net loans
$88.68M
Branches (offices)
1
Net income (YTD)
$1.24M
Rank: #3,223 of 4,213 U.S. banks by assets · #24 of 35 in Montana. Assets changed 2.1% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 13.91% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 10.96% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 62.4% |
| Real estate loans (share of loans) | 61.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $54.40M | 61.3% | |
| Commercial & industrial | $18.84M | 21.2% | |
| Consumer / individual | $1.31M | 1.5% | |
| Construction & development | $4.66M | 5.3% | |
| Agricultural | $13.78M | 15.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $185.65M | $166.94M | $947.00K | $18.05M |
| Jun 2023 | $135.94M | $116.62M | $1.29M | $18.37M |
| Jun 2024 | $156.40M | $139.96M | $934.00K | $15.71M |
| Jun 2025 | $157.60M | $139.51M | $852.00K | $17.03M |
| Jun 2026 | $160.90M | $142.18M | $1.24M | $17.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $142.18M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $142.18M.
Similar-sized banks
First Neighborhood Bank ($161.00M) · Edward Jones Trust Company ($160.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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