The Bank of Baker
Baker, MT
IDRSSD: 222558
Total Assets
$162.72M
Latest filing
Total Deposits
$144.08M
Latest filing
Net Interest Margin
4.65%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
092105104BAKER, MT
Key People
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Locations
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Main Office
The Bank of Baker
116 S Main St
Baker, MT 59313
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/20/1924FDIC Certificate 278
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Bank of Baker (Main) | 116 S Main St | Baker, MT | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/20/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59313 |
| State and County Number | 30025 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofbaker.com |
| Data Updated | 01/30/2026 |
| CERT | 352 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $162.72M |
| Total Deposits | $144.08M |
| Total Liabilities | $144.98M |
| Total Equity Capital | $17.74M |
| Net Income | $678.00k |
| Net Loans and Leases | $86.17M |
| Assets Per Employee ($Millions) | $7.4M |
| Bank Premises and Fixed Assets | $2.31M |
| Cash and Balances due from Depository Institutions | $29.60M |
| Deposits Held in Domestic Offices | $144.08M |
Key Performance Ratios
| Return on Assets (ROA) | 1.7% |
| Return on Equity (ROE) | 15.42% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 60.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.901% |
| Earning Assets to total Assets | 92.56% |
Income and Expense
| Total Interest Income | $2.30M |
| Total Noninterest Income | $114.00k |
| Total Interest Expense | $588.00k |
| Total Noninterest Expense | $1.11M |
| Net Interest Income | $1.71M |
| Pre-tax Net Operating Income | $678.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $351.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.68M |
| Federal Funds Purchased and Repurchased Agreement | $500.00k |
| All Other Liabilities | $396.00k |
| Total Liabilities and Capital | $162.72M |
Securities
| Securities | $32.85M |
| Available-for-sale debt securities | $32.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank of Baker?
$162.72M as of the latest filing.
How much are The Bank of Baker's total deposits?
$144.08M in total deposits.
Where is The Bank of Baker located?
Baker, MT.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
1.
When was it established?
09/20/1924.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$86.17M (latest filing).
What is the total interest income (latest filing)?
$2.30M.