Total Assets
$16.3B
Total balance-sheet footings
FDIC Cert #28489 · Walla Walla, Washington · Est. 1890
Banner Bank - FDIC Bank Health Profile
A community-scale look at Banner Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $16.3B
- Total assets
- A
- Health grade · Excellent
- 1.24%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Banner Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.89% Tier 1, profitable at 1.24% ROA, 60% efficiency ratio.
- #117
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 12.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 60th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Banner Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Banner Bank's composite health score
Tier 1 Capital Ratio (12.89%) 35/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (2.16%) 20/20
Efficiency Ratio (60.12%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.8B
Customer-funded liabilities
Net Loans
$11.6B
Outstanding loan book
Net Income
$203M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Banner Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Banner Bank's score of 83/100 falls in the highlighted band.
Banner Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Banner Bank's $16.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.89%
Texas Ratio
2.16%
Equity Capital
$2.0B
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
10.79%
Efficiency Ratio
60.12%
What the numbers say about Banner Bank
Banner Bank is an FDIC-insured institution (Certificate #28489) headquartered in Walla Walla, Washington, established in 1890. It holds $16.3B in total assets - 117th of 4,313 FDIC-insured banks, $13.8B in customer deposits, and $11.6B in net loans. On safety, its Tier 1 capital ratio of 12.89% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.16% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Banner Bank's asset base places it among the largest FDIC-insured institutions in the country, 117th of 4,313 nationally, and 2nd of 30 banks headquartered in Washington. Only WaFd Bank ($27.3B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$805M
Interest Income
$74M
Non-Interest Income
$403M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Banner Bank reports a Texas Ratio of 2.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Washington by total assets
National size peers: banks closest to Banner Bank by assets
Banner Bank is closely matched in total assets by First United Bank and Trust Company, FirstBank, Northwest Bank, Bank of Baroda across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.83%, versus Banner Bank's own 1.24%; the average efficiency ratio is 51.80%, versus 60.12% here; and average Tier 1 capital sits at 10.11%, versus 12.89% at Banner Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $16.3B in assets, Banner Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Banner Bank (this bank) | WA | $16.3B | 1.24% | 60.12% | 12.89% |
| First United Bank and Trust Company | OK | $16.3B | 0.97% | 68.85% | 12.24% |
| FirstBank | TN | $16.3B | 0.89% | 59.00% | 11.69% |
| Northwest Bank | PA | $16.8B | 0.92% | 63.71% | 12.75% |
| Bank of Baroda | NY | $15.9B | 0.00% | 0.00% | 0.00% |
| NBT Bank, National Association | NY | $15.9B | 1.06% | 60.43% | 11.92% |
| Community Bank, National Association | NY | $17.0B | 1.11% | 58.83% | 12.02% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Banner Bank (FDIC Cert #28489) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WaFd BankSeattle | $27.3B | B | 0.91% |
| Washington Trust BankSpokane | $10.7B | B | 0.89% |
| Heritage BankOlympia | $7.0B | A | 1.07% |
| Coastal Community BankEverett | $4.7B | A | 1.11% |
| 1st Security Bank of WashingtonMountlake Terrace | $3.2B | A | 1.14% |
| Peoples BankBellingham | $2.5B | B | 1.00% |
| Cashmere Valley BankCashmere | $2.3B | A | 1.33% |
| First Fed BankPort Angeles | $2.1B | C | -0.10% |
Frequently asked questions
What is Banner Bank's health grade?▼
Banner Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Banner Bank?▼
Banner Bank holds $16.3B in total assets and $13.8B in deposits, ranking 117th of 4,313 FDIC-insured banks by asset size. It is headquartered in Walla Walla, Washington.
Is my money safe at Banner Bank?▼
Yes, deposits at Banner Bank (Certificate #28489) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Banner Bank's Tier 1 Capital Ratio?▼
Banner Bank has a Tier 1 Capital Ratio of 12.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Banner Bank?▼
Banner Bank has a Texas Ratio of 2.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Banner Bank?▼
Banner Bank has an Efficiency Ratio of 60.12%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Banner Bank's profile as a depositor or analyst.
- Banner Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Banner Bank against other Washington banks before moving funds. Washington banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.