Banner Bank Mortgage Rates, Fees & Info
Walla Walla, WALEI: WE0I402RW25AU38DTI13
Tax ID: 91-1645638
4.3 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Banner Bank is a small bank specializing in Home Purchase loans. Banner Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Seattle, Portland, Spokane, Wenatchee, and Medford among others. Banner Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Banner Bank is typically an average fee lendor.Originations
6,436Origination Dollar Volume (All Markets)
$2,518,960,000Employee count
1,948Awards
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Banner Bank - 2021
Banner Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Banner Bank's average 30 year fixed rate mortgage of loans were
3.05%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.1%.
Relative Fees
Banner Bank's average total fees for a 30 year fixed rate
mortgage are $5,742.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1,110 | $473,920,000 | $426,955 | $7,723 | 4.04% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 700 | $288,590,000 | $412,271 | $9,110 | 4.06% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 562 | $132,210,000 | $235,249 | $6,291 | 3.81% |
| WENATCHEE, WA (FHA|USDA|VA) | 308 | $127,130,000 | $412,760 | $7,822 | 3.48% |
| MEDFORD, OR (FHA|USDA|VA) | 176 | $116,450,000 | $661,648 | $7,350 | 3.86% |
| BELLINGHAM, WA (FHA|USDA|VA) | 265 | $108,765,000 | $410,434 | $4,970 | 3.54% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 116 | $90,590,000 | $780,948 | $6,994 | 4.34% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 251 | $83,685,000 | $333,406 | $8,444 | 4.44% |
| Outside of Metro Areas | 266 | $66,040,000 | $248,271 | $6,894 | 4.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 184 | $64,770,000 | $352,011 | $8,165 | 4.34% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 197 | $62,485,000 | $317,183 | $6,434 | 3.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 101 | $61,305,000 | $606,980 | $8,756 | 4.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 156 | $61,170,000 | $392,115 | $5,669 | 3.73% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 218 | $57,230,000 | $262,523 | $5,292 | 3.65% |
| YAKIMA, WA (FHA|USDA|VA) | 205 | $55,805,000 | $272,220 | $5,505 | 3.58% |
| WALLA WALLA, WA (FHA|USDA|VA) | 190 | $53,790,000 | $283,105 | $6,311 | 3.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $53,705,000 | $10,741,000 | $13,964 | 3.47% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 31 | $49,985,000 | $1,612,419 | $10,762 | 4.27% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 187 | $42,815,000 | $228,957 | $5,621 | 3.59% |
| CHICO, CA (FHA|USDA|VA) | 27 | $39,295,000 | $1,455,370 | $11,371 | 4.49% |
| Coos Bay, OR (FHA|USDA|VA) | 140 | $31,450,000 | $224,643 | $6,945 | 3.82% |
| Moses Lake, WA (FHA|USDA|VA) | 88 | $31,010,000 | $352,386 | $6,678 | 3.91% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 147 | $29,775,000 | $202,551 | $5,229 | 3.87% |
| BEND, OR (FHA|USDA|VA) | 26 | $28,570,000 | $1,098,846 | $9,546 | 3.66% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $24,785,000 | $4,957,000 | $2,881 | 3.46% |
| Outside of Metro Areas | 80 | $24,210,000 | $302,625 | $8,998 | 3.85% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $19,780,000 | $3,296,667 | $0 | 3.37% |
| Oak Harbor, WA (FHA|USDA|VA) | 58 | $18,030,000 | $310,862 | $6,972 | 3.68% |
| LONGVIEW, WA (FHA|USDA|VA) | 41 | $16,055,000 | $391,585 | $7,978 | 3.63% |
| Sandpoint, ID (FHA|USDA|VA) | 34 | $14,990,000 | $440,882 | $11,178 | 3.78% |
| GRANTS PASS, OR (FHA|USDA|VA) | 47 | $14,385,000 | $306,064 | $7,609 | 3.90% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $13,735,000 | $1,248,636 | $16,390 | 3.52% |
| Roseburg, OR (FHA|USDA|VA) | 50 | $11,160,000 | $223,200 | $6,730 | 4.05% |
| Ellensburg, WA (FHA|USDA|VA) | 28 | $10,950,000 | $391,071 | $9,186 | 4.05% |
| SALEM, OR (FHA|USDA|VA) | 27 | $10,915,000 | $404,259 | $9,072 | 4.15% |
| La Grande, OR (FHA|USDA|VA) | 48 | $9,270,000 | $193,125 | $5,497 | 3.78% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 27 | $8,635,000 | $319,815 | $6,403 | 3.61% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $8,005,000 | $2,668,333 | $0 | 3.69% |
| Pullman, WA (FHA|USDA|VA) | 33 | $7,715,000 | $233,788 | $6,028 | 3.69% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 38 | $7,560,000 | $198,947 | $4,680 | 3.46% |
| Red Bluff, CA (FHA|USDA|VA) | 39 | $7,285,000 | $186,795 | $6,992 | 4.24% |
| Shelton, WA (FHA|USDA|VA) | 21 | $6,825,000 | $325,000 | $6,801 | 3.39% |
| REDDING, CA (FHA|USDA|VA) | 19 | $6,425,000 | $338,158 | $9,421 | 4.29% |
| Moscow, ID (FHA|USDA|VA) | 21 | $6,385,000 | $304,048 | $7,716 | 3.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 16 | $6,240,000 | $390,000 | $11,066 | 4.21% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $6,095,000 | $2,031,667 | $0 | 3.62% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 10 | $4,660,000 | $466,000 | $11,762 | 3.63% |
| Centralia, WA (FHA|USDA|VA) | 14 | $4,570,000 | $326,429 | $6,471 | 3.37% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $3,385,000 | $677,000 | $14,682 | 3.35% |
| TWIN FALLS, ID (FHA|USDA|VA) | 10 | $2,770,000 | $277,000 | $7,012 | 3.52% |
| The Dalles, OR (FHA|USDA|VA) | 3 | $2,605,000 | $868,333 | $12,546 | 3.58% |
| Astoria, OR (FHA|USDA|VA) | 7 | $2,215,000 | $316,429 | $7,302 | 4.10% |
| Klamath Falls, OR (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $9,275 | 3.95% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $8,861 | 3.53% |
| Aberdeen, WA (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $7,475 | 3.94% |
| Newport, OR (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $9,286 | 3.93% |
| Othello, WA (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $9,073 | 3.55% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $10,001 | 4.53% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $0 | 3.58% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $7,576 | 3.25% |
| Prineville, OR (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $10,441 | 4.50% |
| Hood River, OR (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $10,152 | 4.29% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $0 | 3.63% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $9,067 | 3.66% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $12,075 | 4.38% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $6,561 | 3.13% |
| Brookings, OR (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $7,642 | 3.56% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $19,162 | 3.75% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $12,179 | 4.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,114 | 3.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $12,132 | 4.38% |
| RENO, NV (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 3.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 3.78% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,497 | 4.16% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,614 | 2.94% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,627 | 4.50% |
| Hailey, ID (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,099 | 3.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,281 | 4.63% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.74% |
| Burley, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.75% |
Banner Bank's top markets include Seattle, Portland, Spokane, Wenatchee, and Medford among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 6,084 | $2,398,200,000 | $394,181 | $7,068 | 3.97% |
| VA | 176 | $65,680,000 | $373,182 | $7,597 | 2.45% |
| FHA | 160 | $50,970,000 | $318,563 | $9,245 | 2.66% |
| USDA | 16 | $4,110,000 | $256,875 | $5,802 | 2.44% |
For the 2021 period, Banner Bank's most frequently originated loan type of loans were Conventional, with 6,084 originations. Their 2nd most popular type is VA, with 176 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 2,571 | $1,519,435,000 | $590,990 | $8,697 | 3.60% |
| Home Improvement | 1,389 | $184,615,000 | $132,912 | $7,067 | 5.01% |
| Cash Out Refi | 1,346 | $389,610,000 | $289,458 | $5,370 | 3.12% |
| Refi | 667 | $356,485,000 | $534,460 | $5,668 | 3.47% |
| Other | 463 | $68,815,000 | $148,629 | $6,251 | 5.05% |
For the 2021, Banner Bank's most frequently cited loan purpose of loans were Home Purchase, with 2,571 originations. The 2nd most popular reason of loans were Home Improvement, with 1,389 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,656 | $1,145,630,000 | $431,337 | $5,742 | 3.05% |
| Other | 2,254 | $625,770,000 | $277,626 | $9,199 | 5.00% |
| 30+ year | 911 | $491,715,000 | $539,753 | $12,348 | 4.17% |
| 15 Year | 386 | $83,650,000 | $216,710 | $4,162 | 2.78% |
| 20 Year | 130 | $31,830,000 | $244,846 | $4,785 | 3.21% |
| 10 Year | 74 | $86,150,000 | $1,164,189 | $3,216 | 3.97% |
| 5 Year | 15 | $52,365,000 | $3,491,000 | $383 | 4.38% |
| 3 Year | 8 | $1,440,000 | $180,000 | $0 | 4.49% |
| 1 Year | 2 | $410,000 | $205,000 | $2,196 | 6.63% |
For the 2021, Banner Bank's most frequently cited loan length of loans were 30 Year, with 2,656 originations. The 2nd most popular length of loans were Other, with 2,254 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 983 | $596,245,000 | $606,556 |
| $<1k | 861 | $254,895,000 | $296,045 |
| $3k-4k | 790 | $266,060,000 | $336,785 |
| $1k-2k | 611 | $150,105,000 | $245,671 |
| $2k-3k | 538 | $145,600,000 | $270,632 |
$5,742 of loans were Banner Bank's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 983 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,001 | $1,163,775,000 | $581,597 |
| 4-5% | 1,747 | $530,935,000 | $303,912 |
| 2.5-3% | 1,387 | $584,815,000 | $421,640 |
| 5-6% | 598 | $70,470,000 | $117,843 |
| <2.5% | 435 | $143,965,000 | $330,954 |
| 6-7% | 200 | $18,970,000 | $94,850 |
| 7-8% | 47 | $3,805,000 | $80,957 |
| Over 8% | 21 | $2,225,000 | $105,952 |
During 2021, Banner Bank's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 3-4%, with 2,001 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 2,110 | $609,290,000 | $288,763 | $6,115 | 3.50% |
| $100k-200k | 1,437 | $200,385,000 | $139,447 | $4,085 | 3.99% |
| $100,000 or less | 1,208 | $67,900,000 | $56,209 | $2,377 | 4.84% |
| $400k-600k | 1,049 | $506,695,000 | $483,027 | $8,653 | 3.58% |
| $600k-1MM | 406 | $305,790,000 | $753,177 | $12,038 | 3.75% |
| $1MM+ | 226 | $828,900,000 | $3,667,699 | $19,089 | 3.59% |
2021 saw Banner Bank place emphasis on $200k-400k loans with 2,110 originations, totaling $609,290,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 1,359 | $391,755,000 | $288,267 | $7,973 | 4.00% |
| $150k-250k | 1,259 | $431,575,000 | $342,792 | $9,177 | 4.23% |
| $50k-75k | 1,065 | $219,105,000 | $205,732 | $5,478 | 3.61% |
| $75k-100k | 910 | $225,090,000 | $247,352 | $6,290 | 3.79% |
| $250k+ | 845 | $401,745,000 | $475,438 | $11,326 | 4.23% |
| $50k or less | 605 | $87,705,000 | $144,967 | $4,135 | 3.44% |
Banner Bank lent most frequently to those with incomes in the $100k-150k range, with 1,359 originations. The second most popular income band? $150k-250k, with 1,259 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,529 | $390,665,000 | $255,504 | $6,422 | 4.07% |
| 30-36% | 1,196 | $347,190,000 | $290,293 | $7,314 | 3.94% |
| <20% | 833 | $182,615,000 | $219,226 | $5,964 | 4.15% |
| 42% | 369 | $119,185,000 | $322,995 | $8,877 | 4.16% |
| 41% | 262 | $88,830,000 | $339,046 | $8,194 | 3.91% |
| 40% | 245 | $74,375,000 | $303,571 | $7,730 | 3.93% |
| 38% | 232 | $84,730,000 | $365,216 | $8,186 | 3.68% |
| 39% | 224 | $66,990,000 | $299,063 | $7,144 | 3.88% |
| 43% | 218 | $71,170,000 | $326,468 | $8,081 | 3.72% |
| 36% | 205 | $59,155,000 | $288,561 | $7,012 | 3.75% |
| 37% | 192 | $61,660,000 | $321,146 | $7,840 | 3.87% |
| 44% | 182 | $66,050,000 | $362,912 | $7,497 | 3.42% |
| 45% | 129 | $52,425,000 | $406,395 | $8,381 | 3.47% |
| 46% | 86 | $31,550,000 | $366,860 | $7,391 | 3.25% |
| 49% | 76 | $25,090,000 | $330,132 | $5,769 | 3.02% |
| 47% | 74 | $24,720,000 | $334,054 | $6,656 | 3.06% |
| 48% | 70 | $22,540,000 | $322,000 | $6,233 | 2.92% |
| 50-60% | 35 | $13,455,000 | $384,429 | $8,854 | 3.10% |
| >60% | 6 | $340,000 | $56,667 | $0 | 5.83% |
Banner Bank lent most frequently to those with DTI ratios of 20-30%, with 1,529 originations. The next most common DTI ratio? 30-36%, with 1,196 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 4,911 | $1,427,995,000 | $290,775 | $7,116 | 3.90% |
| Not applicable | 178 | $681,720,000 | $3,829,888 | $0 | 3.67% |
| Not provided | 910 | $266,740,000 | $293,121 | $7,245 | 3.93% |
| Asian | 248 | $92,290,000 | $372,137 | $7,579 | 4.01% |
| Black | 91 | $24,425,000 | $268,407 | $7,690 | 3.42% |
| American Indian | 59 | $15,155,000 | $256,864 | $7,101 | 3.94% |
| Native Hawaiian | 18 | $5,440,000 | $302,222 | $9,332 | 3.92% |
| Other Asian | 7 | $2,255,000 | $322,143 | $6,766 | 4.95% |
| Asian Indian | 4 | $1,390,000 | $347,500 | $11,201 | 4.56% |
| Chinese | 5 | $955,000 | $191,000 | $4,765 | 4.09% |
| Filipino | 3 | $355,000 | $118,333 | $0 | 4.99% |
| Korean | 1 | $155,000 | $155,000 | $0 | 4.24% |
| Other Pacific Islander | 1 | $85,000 | $85,000 | $0 | 4.74% |
Approval Rates
Total approvals of all applications80.12%
Banner Bank has a below average approval rate.
Pick Rate
Approvals leading to origination75.05%
Banner Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,436 | $2,518,960,000 | $391,386 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,436 | $2,518,960,000 | $391,386 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,006 | $209,870,000 | $208,618 | $4,840 | 4.12% |
| 40-60% | 1,197 | $611,115,000 | $510,539 | $6,001 | 3.50% |
| 60-80% | 1,717 | $1,079,865,000 | $628,925 | $8,271 | 3.62% |
| 80-100% | 1,138 | $499,050,000 | $438,533 | $7,716 | 3.40% |
| Over 100% | 19 | $9,155,000 | $481,842 | $18,454 | 2.61% |
| Under 20% | 1,357 | $109,815,000 | $80,925 | $2,105 | 4.84% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Banner Bank | 1115 Mead Avenue Prosser, WA 99350 | Full Service B&M | $58,657 |
| Banner Bank | 1 East Alder Walla Walla, WA 99362 | Full Service B&M | $261,730 |
| Banner Bank | 126 East Main Street Dayton, WA 99328 | Full Service B&M | $53,190 |
| Banner Bank | 12770 High Bluff Drive San Diego, CA 92130 | Full Service B&M | $79,001 |
| Banner Bank | 1301 Memorial Highway Mount Vernon, WA 98273 | Full Service B&M | $133,635 |
| Banner Bank | 13033 Bel-Red Rd. Bellevue, WA 98005 | Full Service B&M | $208,420 |
| Banner Bank | 1340 Blue Lakes Boulevard North Twin Falls, ID 83301 | Full Service B&M | $60,273 |
| Banner Bank | 1350 Rosecrans Street San Diego, CA 92106 | Full Service B&M | $99,821 |
| Banner Bank | 13605 Meridian Ave E Puyallup, WA 98373 | Full Service B&M | $26,977 |
| Banner Bank | 1375 Northwest Mall Street, Suite 1 Issaquah, WA 98027 | Full Service B&M | $60,392 |
| Banner Bank | 138 Birch Bay Lynden, WA 98264 | Full Service B&M | $67,758 |
| Banner Bank | 1395 S. Grand Avenue, Suite 140 Glendora, CA 91740 | Full Service B&M | $75,137 |
| Banner Bank | 1400 Commercial Avenue Anacortes, WA 98221 | Full Service B&M | $210,883 |
| Banner Bank | 1409 Ne 7th Street Grants Pass, OR 97526 | Full Service B&M | $63,081 |
| Banner Bank | 1455 East Mcandrews Road Medford, OR 97504 | Full Service B&M | $214,277 |
| Banner Bank | 169 West 6th Avenue Eugene, OR 97401 | Full Service B&M | $104,134 |
| Banner Bank | 17530 132nd Avenue, N.E. Ste A Woodinville, WA 98072 | Full Service B&M | $167,691 |
| Banner Bank | 1815 Main Street Ferndale, WA 98248 | Full Service Retail | $55,827 |
| Banner Bank | 2024 Washington Avenue Baker City, OR 97814 | Full Service B&M | $101,397 |
| Banner Bank | 203 W 1st Ave Kennewick, WA 99336 | Full Service B&M | $48,243 |
| Banner Bank | 20313 77th Avenue, Ne Arlington, WA 98223 | Full Service B&M | $80,360 |
| Banner Bank | 204 N Main St Boardman, OR 97818 | Full Service B&M | $52,042 |
| Banner Bank | 207 Park Lane Kirkland, WA 98033 | Full Service B&M | $130,609 |
| Banner Bank | 2072 Nw Stucki Avenue Hillsboro, OR 97124 | Full Service B&M | $54,338 |
| Banner Bank | 212 South Fifth Street Coos Bay, OR 97420 | Full Service B&M | $100,682 |
| Banner Bank | 2121 E. Isaacs Ave Walla Walla, WA 99362 | Full Service B&M | $43,966 |
| Banner Bank | 215 West Main Waitsburg, WA 99361 | Full Service B&M | $17,727 |
| Banner Bank | 22 East 2nd Street Naches, WA 98937 | Full Service B&M | $39,156 |
| Banner Bank | 279 F Street Chula Vista, CA 91910 | Full Service B&M | $157,805 |
| Banner Bank | 2901 Second Ave Seattle, WA 98121 | Full Service B&M | $125,844 |
| Banner Bank | 2918 78th Ave Se Mercer Island, WA 98040 | Full Service B&M | $148,413 |
| Banner Bank | 2nd And 6th East Yakima Avenue Yakima, WA 98901 | Limited, Drive-thru | $0 |
| Banner Bank | 300 East Pine Street Central Point, OR 97502 | Full Service B&M | $56,511 |
| Banner Bank | 300 Ferry Street Sedro Woolley, WA 98284 | Full Service B&M | $134,942 |
| Banner Bank | 3002 S Southeast Blvd Spokane, WA 99223 | Full Service B&M | $57,363 |
| Banner Bank | 301 East Fairhaven Avenue Burlington, WA 98233 | Full Service B&M | $260,898 |
| Banner Bank | 3100 Se 164th Ave Vancouver, WA 98683 | Full Service B&M | $132,447 |
| Banner Bank | 312 Maple Street Mount Shasta, CA 96067 | Full Service B&M | $52,915 |
| Banner Bank | 322 S. Division Street Moses Lake, WA 98837 | Full Service B&M | $61,176 |
| Banner Bank | 333a F Street Davis, CA 95616 | Full Service B&M | $77,792 |
| Banner Bank | 34600 Pacific Highway South Federal Way, WA 98003 | Full Service B&M | $53,690 |
| Banner Bank | 412 A Ave Ste 100 Lake Oswego, OR 97034 | Full Service B&M | $99,830 |
| Banner Bank | 41530 Enterprise Circle South, Suite 100 Temecula, CA 92590 | Full Service B&M | $154,133 |
| Banner Bank | 435 Martin Street Blaine, WA 98230 | Full Service B&M | $95,249 |
| Banner Bank | 44 W. Linn Road Eagle Point, OR 97524 | Full Service B&M | $49,615 |
| Banner Bank | 447 Basin Street Sw Ephrata, WA 98823 | Full Service B&M | $52,131 |
| Banner Bank | 45 Weeks Road Lopez Island, WA 98261 | Full Service B&M | $145,147 |
| Banner Bank | 475 Fern Street Eastsound, WA 98245 | Full Service B&M | $92,893 |
| Banner Bank | 4780 Village Plaza Loop Eugene, OR 97401 | Full Service B&M | $59,196 |
| Banner Bank | 48257 East 1st Street Oakridge, OR 97463 | Full Service B&M | $26,175 |
| Banner Bank | 4845 Old Redwood Highway Santa Rosa, CA 95403 | Full Service B&M | $44,450 |
| Banner Bank | 5 Cheney-Spokane Rd Cheney, WA 99004 | Full Service B&M | $53,875 |
| Banner Bank | 500 Ne 139th Street Vancouver, WA 98685 | Full Service B&M | $46,970 |
| Banner Bank | 5005 Summitview Avenue Yakima, WA 98908 | Full Service B&M | $104,280 |
| Banner Bank | 621 S. Main Colville, WA 99114 | Full Service B&M | $68,319 |
| Banner Bank | 6622 N Division Spokane, WA 99208 | Full Service B&M | $100,179 |
| Banner Bank | 6701 North Highway 3 Greenview, CA 96037 | Full Service B&M | $35,136 |
| Banner Bank | 7009 212th Street Sw Edmonds, WA 98026 | Full Service B&M | $100,808 |
| Banner Bank | 701 B Street, Suite 100 San Diego, CA 92101 | Full Service B&M | $58,543 |
| Banner Bank | 701 C Street Galt, CA 95632 | Full Service B&M | $39,076 |
| Banner Bank | 701 East Bidwell Street Folsom, CA 95630 | Full Service B&M | $49,594 |
| Banner Bank | 707 Main Street Springfield, OR 97477 | Full Service B&M | $26,831 |
| Banner Bank | 7182 Beverly Blvd. Los Angeles, CA 90046 | Full Service B&M | $163,586 |
| Banner Bank | 731 West Central Avenue Sutherlin, OR 97479 | Full Service B&M | $42,362 |
| Banner Bank | 742 Fletcher Parkway El Cajon, CA 92020 | Full Service B&M | $53,924 |
| Banner Bank | 749 Sixth Street Clarkston, WA 99403 | Full Service B&M | $64,626 |
| Banner Bank | 7675 Sw Nyberg St Tualatin, OR 97062 | Full Service B&M | $50,343 |
| Banner Bank | 777 Highway 101 Florence, OR 97439 | Full Service B&M | $138,514 |
| Banner Bank | 7950 164th Avenue Ne Redmond, WA 98052 | Full Service B&M | $145,882 |
| Banner Bank | 800 La Terazza Blvd. Escondido, CA 92025 | Full Service B&M | $64,780 |
| Banner Bank | 880 Cypress Avenue Redding, CA 96001 | Full Service B&M | $42,494 |
| Banner Bank | 88312 Territorial Road Veneta, OR 97487 | Full Service B&M | $48,311 |
| Banner Bank | 8909 East Trent Avenue Spokane Valley, WA 99212 | Full Service B&M | $68,675 |
| Banner Bank | 900 E Fairview Ave Meridian, ID 83642 | Full Service B&M | $56,825 |
| Banner Bank | 9340 East Stockton Boulevard Elk Grove, CA 95624 | Full Service B&M | $73,959 |
| Banner Bank | 950 Main Street Red Bluff, CA 96080 | Full Service B&M | $77,007 |
| Banner Bank | 950 W. Bannock, Suite 100 Boise, ID 83702 | Full Service B&M | $126,367 |
| Banner Bank | S. 106 2nd St. East Chewelah, WA 99109 | Full Service B&M | $58,138 |
| Banner Bank | Sixth And G Streets Umatilla, OR 97882 | Full Service B&M | $47,335 |
| Banner Bank | 1 Park Center Drive Sacramento, CA 95825 | Full Service B&M | $252,463 |
| Banner Bank | 10 N Argonne Road Spokane Valley, WA 99212 | Full Service B&M | $193,308 |
| Banner Bank | 10 S 1st Ave Walla Walla, WA 99362 | Full Service B&M | $231,799 |
| Banner Bank | 100 Main Street Orofino, ID 83544 | Full Service B&M | $50,615 |
| Banner Bank | 100 South Main Street Stanfield, OR 97875 | Full Service B&M | $20,537 |
| Banner Bank | 1005 Bryden Avenue Lewiston, ID 83501 | Full Service B&M | $64,041 |
| Banner Bank | 101 E Main St Hermiston, OR 97838 | Full Service B&M | $252,283 |
| Banner Bank | 101 Sw Main St Ste 154 Portland, OR 97204 | Full Service B&M | $98,159 |
| Banner Bank | 1010 Yakima Valley Highway Sunnyside, WA 98944 | Full Service B&M | $139,439 |
| Banner Bank | 10125 Main Street Bothell, WA 98011 | Full Service B&M | $85,406 |
| Banner Bank | 1015 A Street Tacoma, WA 98402 | Full Service B&M | $42,203 |
| Banner Bank | 1031 21st Street Lewiston, ID 83501 | Full Service B&M | $40,707 |
| Banner Bank | 1095 Oregon Avenue Bandon, OR 97411 | Full Service B&M | $96,408 |
| Banner Bank | 147 North Broadway Tekoa, WA 99033 | Full Service B&M | $29,964 |
| Banner Bank | 14800 Sw Murray Scholls Drive, Suite 104 Beaverton, OR 97007 | Full Service B&M | $54,310 |
| Banner Bank | 1500 Main Saint Maries, ID 83861 | Full Service B&M | $71,205 |
| Banner Bank | 15129 Main Street, Suite C-101 Mill Creek, WA 98082 | Full Service B&M | $54,574 |
| Banner Bank | 1550 Se Harvest Drive Pullman, WA 99164 | Full Service B&M | $91,838 |
| Banner Bank | 1550 South Kimball Way Boise, ID 83709 | Full Service B&M | $87,215 |
| Banner Bank | 15606 E Sprague Avenue Veradale, WA 99037 | Full Service B&M | $59,302 |
| Banner Bank | 1600 Cornwall Avenue Bellingham, WA 98225 | Full Service B&M | $148,834 |
| Banner Bank | 16099 Boones Ferry Road Lake Oswego, OR 97035 | Full Service B&M | $79,677 |
| Banner Bank | 1611 Virginia Avenue North Bend, OR 97459 | Full Service B&M | $106,737 |
| Banner Bank | 1620 Continental Place Mount Vernon, WA 98273 | Full Service B&M | $113,522 |
| Banner Bank | 16292 N. Marketplace Boulevard Nampa, ID 83687 | Full Service B&M | $72,740 |
| Banner Bank | 1689 Williams Highway Grants Pass, OR 97526 | Full Service B&M | $98,322 |
| Banner Bank | 2227 N.W. 57th Street Seattle, WA 98107 | Full Service B&M | $141,730 |
| Banner Bank | 225 Blair Street Friday Harbor, WA 98250 | Full Service B&M | $65,626 |
| Banner Bank | 2320 Sunset Blvd Rocklin, CA 95765 | Full Service B&M | $74,560 |
| Banner Bank | 2485 Notre Dame Blvd Chico, CA 95928 | Full Service B&M | $23,756 |
| Banner Bank | 25 Gateway Blvd Cottage Grove, OR 97424 | Full Service B&M | $72,782 |
| Banner Bank | 2531 Colby Ave Everett, WA 98201 | Full Service B&M | $183,792 |
| Banner Bank | 255 Rock Island Rd East Wenatchee, WA 98802 | Full Service B&M | $65,792 |
| Banner Bank | 255 South Riverside Avenue Rialto, CA 92376 | Full Service B&M | $35,518 |
| Banner Bank | 255 W. Hayden Avenue Hayden, ID 83835 | Full Service B&M | $53,524 |
| Banner Bank | 259 North Adams Street Coquille, OR 97423 | Full Service B&M | $33,942 |
| Banner Bank | 2600 East Barnett Road Medford, OR 97504 | Full Service B&M | $82,569 |
| Banner Bank | 265 East Oregon Avenue Creswell, OR 97426 | Full Service B&M | $61,106 |
| Banner Bank | 2720 Island Ave La Grande, OR 97850 | Full Service B&M | $123,202 |
| Banner Bank | 350 N.E. Garden Valley Boulevard Roseburg, OR 97470 | Full Service B&M | $122,173 |
| Banner Bank | 35867 Hwy 58 Pleasant Hill, OR 97455 | Full Service B&M | $45,562 |
| Banner Bank | 3600 Sw Cedar Hills Boulevard Beaverton, OR 97005 | Full Service B&M | $19,768 |
| Banner Bank | 365 West 3rd Avenue, P. O. Box 519 Kettle Falls, WA 99141 | Full Service B&M | $45,221 |
| Banner Bank | 368 E Vanderbilt Way San Bernardino, CA 92408 | Full Service B&M | $68,074 |
| Banner Bank | 3919 N Market St Ste B Spokane, WA 99207 | Full Service Retail | $14,553 |
| Banner Bank | 3945 W. Court Street Pasco, WA 99301 | Full Service B&M | $89,183 |
| Banner Bank | 40 Northwest Glenhart Winston, OR 97496 | Full Service B&M | $73,804 |
| Banner Bank | 400 112th Avenue Ne Suite 100 Bellevue, WA 98004 | Full Service B&M | $169,623 |
| Banner Bank | 404 E. Huntington Drive Monrovia, CA 91016 | Full Service B&M | $39,952 |
| Banner Bank | 41 W. Riverside Spokane, WA 99201 | Full Service B&M | $126,900 |
| Banner Bank | 4104 Terrace Heights Drive Yakima, WA 98901 | Full Service B&M | $56,168 |
| Banner Bank | 501 North Mission Street Wenatchee, WA 98801 | Full Service B&M | $159,917 |
| Banner Bank | 502 West Yakima Avenue Yakima, WA 98902 | Full Service B&M | $353,999 |
| Banner Bank | 5030 Arlington Avenue Riverside, CA 92504 | Full Service B&M | $110,369 |
| Banner Bank | 506 E Hastings Rd. Spokane, WA 99218 | Full Service B&M | $80,233 |
| Banner Bank | 508 W Third Ave Spokane, WA 99201 | Full Service B&M | $55,252 |
| Banner Bank | 54 Rainier Avenue South Renton, WA 98055 | Full Service B&M | $165,066 |
| Banner Bank | 5508 Balboa Avenue San Diego, CA 92111 | Full Service B&M | $79,258 |
| Banner Bank | 5701 First Avenue South Seattle, WA 98108 | Full Service B&M | $71,210 |
| Banner Bank | 5901 Priestly Drive, Suite 160 Carlsbad, CA 92008 | Full Service B&M | $134,223 |
| Banner Bank | 5920 W. Clearwater Ave. Kennewick, WA 99336 | Full Service B&M | $153,440 |
| Banner Bank | 598 North Park Drive Selah, WA 98942 | Full Service B&M | $101,140 |
| Banner Bank | 600 S. 9th Avenue Walla Walla, WA 99362 | Full Service B&M | $34,203 |
| Banner Bank | 600 South Jackson Moscow, ID 83843 | Full Service B&M | $48,551 |
| Banner Bank | 1125 N.E. C Street College Place, WA 99324 | Full Service B&M | $39,501 |
| Banner Bank | 1140 W. Meeker Street Kent, WA 98032 | Full Service B&M | $68,886 |
| Banner Bank | 115 West Mcknight Way Grass Valley, CA 95949 | Full Service B&M | $55,483 |
| Banner Bank | 11930 Foothill Blvd. Rancho Cucamonga, CA 91739 | Full Service B&M | $151,074 |
| Banner Bank | 1201 Solano Street Corning, CA 96021 | Full Service B&M | $55,905 |
| Banner Bank | 1220 Southgate Pendleton, OR 97801 | Full Service B&M | $19,707 |
| Banner Bank | 1221 Jadwin Avenue Richland, WA 99352 | Full Service B&M | $71,851 |
| Banner Bank | 1221 N. Liberty Lake Road Liberty Lake, WA 99019 | Full Service B&M | $42,468 |
| Banner Bank | 1222 E Madison Ste A Seattle, WA 98122 | Full Service B&M | $95,643 |
| Banner Bank | 123 North Main Street Yreka, CA 96097 | Full Service B&M | $46,938 |
| Banner Bank | 125 Se Court Ave Pendleton, OR 97801 | Full Service B&M | $143,645 |
| Banner Bank | 1250 Barkley Boulevard Bellingham, WA 98226 | Full Service B&M | $64,718 |
For 2021, Banner Bank had 155 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $520,500 |
| Net interest income | $505,574 |
| Total noninterest income | $93,425 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $19,162 |
| Trading account gains and fees | $1,663 |
| Additional Noninterest Income | $72,600 |
| Pre-tax net operating income | $259,268 |
| Securities gains (or losses, -) | $3,151 |
| Income before extraordinary items | $212,499 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $212,499 |
| Minority interest net income | $0 |
| Net income | $212,499 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $209,946 |
Banner Bank's gross interest income from loans was $520,500,000.
Banner Bank's net interest income from loans was $505,574,000.
Banner Bank's fee based income from loans was $19,162,000.
Banner Bank's net income from loans was $212,499,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $14,926 |
| Provision for credit losses | $-33,388 |
| Total noninterest expense | $373,119 |
| Salaries and employee benefits | $210,429 |
| Premises and equipment expense | $47,599 |
| Additional noninterest expense | $115,091 |
| Applicable income taxes | $49,920 |
| Net charge-offs | $2,068 |
| Cash dividends | $99,685 |
Banner Bank's interest expense for loans was $14,926,000.
Banner Bank's payroll and benefits expense were $210,429,000.
Banner Bank's property, plant and equipment expenses $47,599,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $14,433,263 |
| Deposits held in domestic offices | $14,433,263 |
| Deposits by Individuals, partnerships, and corporations | $13,987,478 |
| Deposits by U.S. Government | $35 |
| Deposits by States and political subdivisions in the U.S. | $442,829 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,920 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $8,337,769 |
| Demand deposits | $8,337,769 |
| Nontransaction accounts | $6,095,493 |
| Money market deposit accounts (MMDAs) | $2,472,147 |
| Other savings deposits (excluding MMDAs) | $2,784,716 |
| Total time deposits | $838,630 |
| Total time and savings deposits | $6,095,493 |
| Noninterest-bearing deposits | $6,390,355 |
| Interest-bearing deposits | $8,042,908 |
| Retail deposits | $14,252,248 |
| IRAs and Keogh plan accounts | $160,262 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $16,798,536 |
| Cash & Balances due from depository institutions | $2,134,299 |
| Interest-bearing balances | $1,775,839 |
| Total securities | $4,159,915 |
| Federal funds sold & reverse repurchase | $300,000 |
| Net loans and leases | $9,049,151 |
| Loan and leases loss allowance | $132,099 |
| Trading account assets | $47,826 |
| Bank premises and fixed assets | $196,203 |
| Other real estate owned | $852 |
| Goodwill and other intangibles | $405,182 |
| All other assets | $505,108 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $16,798,536 |
| Total Liabilities | $14,996,773 |
| Total deposits | $14,433,263 |
| Interest-bearing deposits | $8,042,908 |
| Deposits held in domestic offices | $14,433,263 |
| % insured (estimated) | $64 |
| Federal funds purchased and repurchase agreements | $264,489 |
| Trading liabilities | $11,336 |
| Other borrowed funds | $50,000 |
| Subordinated debt | $0 |
| All other liabilities | $237,685 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $9,049,151 |
| Loan and leases loss allowance | $132,099 |
| Total loans and leases (domestic) | $9,181,250 |
| All real estate loans | $7,517,305 |
| Real estate loans in domestic offices | $7,517,305 |
| Construction and development loans | $1,328,391 |
| Residential 1-4 family construction | $584,559 |
| Other construction, all land development and other land | $743,832 |
| Loans secured by nonfarm nonresidential properties | $4,076,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,793,759 |
| Commercial real estate & other non-farm, non-residential | $2,282,241 |
| Multifamily residential real estate | $677,478 |
| 1-4 family residential loans | $1,268,142 |
| Farmland loans | $167,294 |
| Loans held in foreign offices | $0 |
| Farm loans | $153,870 |
| Commercial and industrial loans | $1,066,898 |
| To non-U.S. addressees | $9,935 |
| Loans to individuals | $97,704 |
| Credit card loans | $18,457 |
| Related Plans | $16,115 |
| Consumer Auto Loans | $12,217 |
| Other loans to individuals | $50,915 |
| All other loans & leases | $345,473 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $22,979 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $50,680 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $5,309 |
| Non 1-4 family restructured loans & leases | $3,476 |
| Total loans and leases (foreign) | $0 |
Banner Bank had $9,049,151,000 of loans outstanding in 2021. $7,517,305,000 of loans were in real estate loans. $1,328,391,000 of loans were in development loans. $677,478,000 of loans were in multifamily mortgage loans. $1,268,142,000 of loans were in 1-4 family mortgage loans. $153,870,000 of loans were in farm loans. $18,457,000 of loans were in credit card loans. $12,217,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 4,168 | $1,158,325 | $277,909 |
| Nonfarm, nonresidential loans - <$100k | 423 | $18,833 | $44,522 |
| Nonfarm, nonresidential loans - $100-250k | 1,254 | $154,373 | $123,104 |
| Nonfarm, nonresidential loans - $250k-1MM | 2,491 | $985,119 | $395,471 |
| Commercial & Industrial, US addressed loans - <$1MM | 22,867 | $502,962 | $21,995 |
| Commercial & Industrial, US addressed loans - <$100k | 19,579 | $127,389 | $6,506 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,697 | $105,095 | $61,930 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,591 | $270,478 | $170,005 |
| Farmland loans - <$1MM | 217 | $33,870 | $156,083 |
| Farmland loans - <$100k | 40 | $1,428 | $35,700 |
| Farmland loans - $100-250k | 83 | $9,635 | $116,084 |
| Farmland loans - $250k-1MM | 94 | $22,807 | $242,628 |
| Agriculture operations loans - <$1MM | 606 | $30,677 | $50,622 |
| Agriculture operations loans - <$100k | 344 | $5,500 | $15,988 |
| Agriculture operations loans - $100-250k | 168 | $10,999 | $65,470 |
| Agriculture operations loans - $250k-1MM | 94 | $14,178 | $150,830 |
