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CRA Public File

Community Reinvestment Act Notice

Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community, consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the OCC, and comments received from the public relating to our assessment area needs and opportunities, as well as our responses to those comments. You may review this information today by reviewing the public file which is available at www.bakerboyer.com.

You may also have access to the following additional information, which we will  make available to you after you make a request to us: (1) A map showing the assessment area containing a select branch, which is the area in which the OCC evaluates our CRA performance for that particular community; (2) branch addresses and associated branch facilities and hours in any assessment area; (3) a list of services we provide at those locations; (4) our most recent rating in the assessment area; and (5) copies of all written comments received by us that specifically relate to the needs and opportunities of a given assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks that are scheduled for CRA examinations in that quarter. This list is available from the Deputy Comptroller, 1050 17th Street, Suite 1500, Denver, CO 80265. You may send written comments regarding the needs and opportunities of any of the bank's assessment areas to Cherie Engebretson, CRA Officer, Baker Boyer National Bank, 7 West Main, Walla Walla, WA 99362, engebretc@bakerboyer.com, and Deputy Comptroller, 1050 17th Street, Suite 1500, Denver, CO 80265, CRACOMMENTS@OCC.TREAS.GOV . Your comments, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of Baker Boyer Bancorp, a bank holding company. You may request from the Federal Reserve Bank of San Francisco, 101 Market Street, San Francisco, CA 94105, an announcement of applications covered by CRA filed by bank holding companies.


2020-2021 CRA Public File

Click here to download the document.


Patriot Act Notice

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that on personal accounts identifies each person who opens an account. In addition, on legal entity accounts, we will require identification on beneficial owners and controlling person.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Any personal information obtained will be kept strictly confidential by the Bank.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (https://ffiec.cfpb.gov/data-publication/modified-lar/).


Public Notice

In accordance with the Office of the Comptroller of the Currency’s rule and 12 CFR Part 18, “Disclosure of Financial and Other Information by National Banks,” the public is hereby notified of the availability of financial statements for Baker Boyer National Bank. The first copy of this annual disclosure statement may be obtained free of charge by calling (509) 525-2000 or (800) 234-7923 or by contacting Shareholder Relations at the following address:
Shareholder Relations
Baker Boyer Bank
7 W Main
PO Box 1796
Walla Walla, WA  99362-0353