← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Washington, the state note

Banner Bank

Walla Walla, Washington · $16.59B in assets · beside the 11 other the Pacific states banks over $10B (the state alone holds too few in the band to rank)

The filing

1.29%
ROA
3rd of 12
86.6%
Loans / deposits
8th of 12
11.9%
Equity / assets
8th of 12

Banner Bank is the ninth largest of the 12 the Pacific states banks nearest its size over $10B, with $16.59B in assets at 30 June 2026. Loans are 86.6% of deposits, 8th of 12 against a median of 80.7%, and equity is 11.9% of assets, 8th of 12. Loans grew +2.5% in the year, 7th of 12, and deposits grew 2.1%; the cohort's median loan growth is +2.6%.

Noncurrent loans are 0.46% of the book, 7th of 12 against a median of 0.45%; 0.15% is 30 to 89 days past due, and the allowance covers them 3.0 times. Commercial real estate is 41.8% of loans, 8th of 12 against a median of 38.5%, and 253% of capital, below the 300% screen, with construction at 85% against the 100% screen.

Return on assets is 1.29%, 3rd of 12 against a median of 1.03%, on an efficiency ratio of 60.2%, 8th of 12. Five years ago it was 1.32%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsPacific states banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.03% AB Axos Bank 2.14% CB Cathay Bank 1.54% BB Banner Bank 1.29% FH First Hawaiian Bank 1.24% WT Washington Trust Bank 1.19% Bo Bank of Hawaii 1.03% CB Citizens Business Bank N.A. 1.03% MB Mechanics Bank 1.01% WB Wafd Bank 0.98% FM Farmers & Merchants Bank Long Be 0.97% Bo Bank of America Ca N.A. 0.74% Bo Bank of Hope 0.74%
Loans, year over yearPacific states banks over $10B · 30 June 2026 · no better direction, largest first
median +2.6% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% BB Banner Bank +2.5% WT Washington Trust Bank +2.1% Bo Bank of Hawaii +2.1% FH First Hawaiian Bank +1.6% WB Wafd Bank -1.2% Bo Bank of America Ca N.A. -12.3%

SBA 7(a), FY2008 to FY2026

Banner Bank is the 7th largest 7(a) lender into Washington of 281, with $467M across 2,139 loans, 3.5% of everything approved in the state (U.S. Bank, National Association leads with $933M). 55 of its 134 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Washington, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
King, WA$200M6th of 1934.3%-0.4 pts
San Diego, CA$79M15th of 2381.5%+0.0 pts
Spokane, WA$54M3rd of 1056.4%-0.0 pts
Snohomish, WA$45M12th of 1272.8%+0.7 pts
Riverside, CA$38M27th of 2191.1%+0.6 pts
Los Angeles, CA$36M71st of 3080.2%-0.0 pts
Sacramento, CA$33M18th of 1701.5%+2.9 pts
Ada, ID$28M12th of 1332.5%+0.7 pts
Yakima, WA$25M1st of 848.2%+3.1 pts
Pierce, WA$24M19th of 1371.5%-1.4 pts
San Bernardino, CA$19M43rd of 2130.5%+0.1 pts
Clark, WA$18M10th of 1142.3%+1.5 pts
Multnomah, OR$18M18th of 1401.1%-0.0 pts
121 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services462$154M16.1%0.20%107th of 2,596
Construction699$150M15.6%0.47%37th of 2,063
Retail trade419$122M12.7%0.20%92nd of 2,589
Manufacturing397$101M10.5%0.26%69th of 2,246
Professional & technical services423$92M9.6%0.28%47th of 1,955
7(a) lenders into Washington, share of approvals since FY2008281 lenders on record; the ten largest and Banner Bank
UB U.S. Bank, National Association 6.9% $933M · 3,630 loans CB Columbia Bank 6.7% $907M · 2,786 loans KN KeyBank National Association 5.5% $735M · 1,921 loans Bo Bank of Hope 4.9% $658M · 702 loans LO Live Oak Banking Company 4.4% $598M · 424 loans WF Wells Fargo Bank National Associa… 3.9% $518M · 1,645 loans BB Banner Bank 3.5% $467M · 2,139 loans RL Readycap Lending, LLC 3.3% $440M · 406 loans HB Heritage Bank 3.2% $437M · 947 loans U Unibank 2.8% $384M · 420 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Banner BankRankCohort median
Total CRE against capital, the 300% screen253%6th of 12254%
Construction against capital, the 100% screen85%12th of 1223%
Construction and land development, share of loans14.1%12th of 124.1%
Non-owner-occupied nonfarm nonresidential, share of loans19.1%8th of 1217.6%
Total CRE, the guidance definition, share of loans41.8%8th of 1238.5%
CRE growth over 36 months, the third prong+12.1%6th of 11+12.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Wafd Bank$27.58B1.0%53.5%0.63%0.02%1.1%96.1%11.0%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Bank of Hawaii$23.81B1.0%58.0%0.18%0.06%1.0%68.2%7.5%
First Hawaiian Bank$23.65B1.2%55.2%0.30%0.12%1.2%72.3%11.9%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Banner Bank$16.59B1.3%60.2%0.46%0.02%1.3%86.6%11.9%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Washington Trust Bank$10.54B1.2%66.7%0.73%0.05%2.1%84.6%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Banner BankCohort median
20212026Change20212026Change
Loans$9.73B$12.02B+24%$11.39B$13.94B+22%
Deposits$13.74B$13.89B+1%$15.10B$17.26B+14%
NPA / loans0.32%0.46%+0.14 pts0.38%0.45%+0.07 pts
Efficiency62.5%60.2%-2.3 pts53.6%56.6%+3.0 pts
ROA1.32%1.29%-0.03 pts1.18%1.03%-0.16 pts

This read was prepared for Banner Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Banner Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Pacific states banks over $10B
Institution www.bannerbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue