The Bank of Baker: how it compares with its peers
Against 20 MT banks with half to twice its assets, The Bank of Baker's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.9M peer median). Its weakest relative measure is efficiency ratio (63.36% vs. 56.24%).
| Measure | The Bank of Baker | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.42% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 4.43% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.36% | 56.24% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.9M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.37% | 74.44% | Context |
What it means for lending operations
Its efficiency ratio of 63.36% is above the 56.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Freedom Bank Columbia Falls, MT · $157M
- First State Bank of Forsyth Forsyth, MT · $166M
- Citizens Bank & Trust Company Big Timber, MT · $155M
- The First State Bank of Shelby Shelby, MT · $176M
- Eagle Bank Polson, MT · $180M
- Pioneer State Bank Deer Lodge, MT · $134M
Questions about The Bank of Baker
How big is The Bank of Baker?
The Bank of Baker, established in 1924, is headquartered in Baker, MT. It reported $161M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Bank of Baker's return on assets?
1.52% annualized in Q2 2026, against a 1.42% median for 20 MT banks with half to twice its assets, ahead of 55% of them.
What is The Bank of Baker's efficiency ratio?
63.36% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 56.24%, and lower is better.
Is The Bank of Baker growing its loans?
Net loans grew 4.6% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.