Eastern Washington's 150+ year-old national bank offering personal and business banking, wealth management, and financial planning with a community-focused approach.
Data compiled from public sources · Rating from CreditDoc methodology
Baker Boyer National Bank was founded before Washington became a state and is the original Northwest Bank, operating as a chartered National Bank for over 150 years. Despite its national charter, the institution maintains a community banking philosophy focused on personal relationships with individuals, families, and businesses in Eastern Washington. The bank has survived multiple market downturns while maintaining stable, profitable earnings throughout its history.
The bank offers comprehensive financial services including personal checking and savings accounts, certificates of deposit, personal loans, and home loans. On the business side, they provide business checking and savings accounts, business loans, and cash management services. S.
Baker Advisors, offers financial planning, investment management, and wealth advising services. Additional offerings include online banking, remote deposit capabilities, 401(k)/403(b)/457 retirement account access, and financial counseling. Baker Boyer distinguishes itself through six generations of family leadership, deep community roots in Eastern Washington, and recognition as a top community bank.
They've been named to American Banker Magazine's Top 200 Community Banks since 2008 and recognized by Newsweek as one of America's Best Regional Banks in 2025-2026. The bank has been awarded Best Place to Work by Seattle Business Magazine for 13 consecutive years and holds numerous local awards from Union-Bulletin, Yakima Herald, and other regional publications. As a full-service bank, Baker Boyer serves customers seeking comprehensive financial relationships rather than specialized services.
Their strength lies in community banking and personalized service rather than cutting-edge fintech or lowest-cost products. Customers should expect traditional banking services backed by local decision-making and long-term relationship focus.
Baker-Boyer National Bank processed 75 mortgage applications in 2023, approving 80% of applicants across 2 states.
75
Applications
80%
Approval Rate
$286K
Avg Loan
2
States Served
Based on 75 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Yes. Baker-Boyer National Bank is a registered company, headquartered in Walla Walla, WA, founded in 1869.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
Baker Boyer National Bank is best suited for Eastern Washington residents and businesses seeking a full-service community bank with personalized service, integrated wealth management, and long-term relationship focus. The primary caveat is geographic limitation to Eastern Washington and lack of specific pricing/rate transparency on their website — customers should contact local branches directly for current rates and fee schedules.
Community bank with 27 branches in Washington and Oregon offering personal and business banking, home loans, and deposit products with FDIC insurance.
Best for: Washington and Oregon residents seeking community banking with local branch access, Small business owners in the Pacific Northwest needing treasury management and local lending relationships
WaFd Bank is a full-service regional bank operating in Washington, Nevada, New Mexico, and Oregon with branch locations including Seattle's International District, offering personal and business banking services.
Best for: Customers in the Pacific Northwest (Washington, Oregon) seeking community-focused banking with personalized service, Small business owners in WaFd Bank's service areas needing local commercial lending relationships
WSECU is a Washington-based credit union offering banking services including checking, savings, and branch access. Members enjoy online banking, ATM networks, and community spaces.
Best for: Washington State residents seeking local, community-focused banking with physical branch access, U-District Seattle members needing convenient branch hours, parking, and community meeting space
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