Disclosures

1. 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. You may review today the public section of our most recent CRA evaluation, prepared by the OCC, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) A map showing the assessment area containing this branch, which is the area in which the OCC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this 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.

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at Baker Boyer National Bank’s Main Office in Washington, 7 West Main St., Walla Walla, WA 99362 and online at bakerboyer.com.

At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks and savings associations that are scheduled for CRA examination in that quarter. This list is available from the OCC Deputy Comptroller, West Region, Office of the Comptroller of the Currency, 1050 17th St., Suite 1500, Denver, CO 80265, www.occ.gov. You may send written comments about our performance in helping to meet community credit needs to Cherie Engebretson, CRA Officer, Baker Boyer National Bank, 7 West Main St., Walla Walla, WA 99362, engebretc@bakerboyer.com, and to the OCC Deputy Comptroller, West Region, Office of the Comptroller of the Currency, 1050 17th St., Suite 1500, Denver, CO 80265, CRAComments@occ.treas.gov. Your letter, together with any response by us, will be considered by the OCC in evaluating our CRA performance and may be made public.

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

2. 2025-2026 CRA Public File

Click here to download the document.

3. Patriot Act Notice

4. Home Mortgage Disclosure Act Notice

5. Public Notice

6. Visa Business Card Disclosures

Your Guide to Benefit describes the benefit in effect as of 4/15/21. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records. Your eligibility is determined by your financial institution.

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