Baker-Boyer National Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Baker-Boyer National Bank (FDIC Cert #2987) at 84/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps Baker-Boyer National Bank into 3 counties (39 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Washington (3 counties). Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Yakima County, WA, Benton County, WA, Walla Walla County, WA, among others DLRadar tracks parcel by parcel. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. Baker-Boyer National Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Baker-Boyer National Bank is held under Baker Boyer Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Baker-Boyer National Bank in isolation: the 39-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. No bank is too small to score the same way: Baker-Boyer National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 39-ZIP profile means exactly what it would for any institution nationwide.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Baker-Boyer National Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.