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Forging Our Legacy

Shareholder Information

Baker Boyer is built on a legacy of mutual prosperity, where employees, clients, communities, and shareholders are key stakeholders. This page is a resource for our shareholders featuring our financial results, educational content, impactful stories, employee highlights, and much more.

"At Baker Boyer, being a shareholder is more than being an investor in a bank—it's a partnership in perpetuating the legacies of our community’s prosperity and sustainable success." 

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Mark Kajita with Baker Boyer employees volunteering at foodbank
Creating Long-Term Value

"We create long-term value for our shareholders through prudent capital allocation and continually looking for innovative ways to add value to the businesses and communities we serve. Baker Boyer and our shareholders embody the ethos of "do no harm," empowering people to forge tomorrow’s thriving communities. Our shareholders' commitment ensures that we stay true to our roots—investing locally and supporting community initiatives so that we can thrive together. This ethos is what sets us apart, making Baker Boyer not just a bank, but a community pillar. Together, we are not just witnessing history; we are crafting it, ensuring that Baker Boyer remains synonymous with trust, innovation, and community stewardship." - Mark Kajita, President & CEO

Shareholder Reports

Access current and historical information for shareholders of Baker Boyer Bancorp (BBBK), including annual reports, quarterly reports, and consolidated financial statements. Our 150th Anniversary in 2019 was a pivotal year for Baker Boyer. Read the Annual Report and Financials to reflect and remember this historical year.

2026

2025

2024

2023

What's New

Baker Boyer Names Kip Kontos as Next President and CEO

Baker Boyer has named Clifford “Kip” Kontos as its 12th President and CEO as Mark Kajita retires after more than two decades with the Bank. The appointment follows a four-year succession planning process focused on ensuring continuity and strong leadership for Baker Boyer’s next chapter. 

Read the full Announcement

Kip and Mark Shaking hands

Market Update: What the Bond Market is Really Telling Us

Chief Investment Officer John Cunnison breaks down why the bond market, often overlooked in favor of flashier stock market headlines, may be the more important story right now. John explains the fundamental difference between stocks and bonds, then digs into why yields have risen so sharply, with the 30-year Treasury now around 5.25%. He walks through two competing explanations.

Read the full Market Update

Stay In the Know

Watch the monthly Market Update, amazing client testimonials, browse the latest articles from our experts, and stay up to date with Baker Boyer's latest announcements.
Market Update
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Baker Boyer's Portfolio Managers are dedicated to keeping shareholders and clients educated and aware of markets and the economy by providing resources and expert commentary. Watch the latest monthly Market Update now.

View Market Updates
Client Testimonials
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Baker Boyer has been supporting entrepreneurs and businesses for over 150 years. We're with our clients every step of the way. Watch the stories of our clients who we've supported in building their hard-earned dreams.

Watch their stories
Articles
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Our experts share insights about topics that we think will help you make better financial decisions. Learn about successfully transitioning a business to the importance of having a financial plan.

View recent articles
Announcements
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Stay up to date with recent happenings from Baker Boyer. Read the latest announcements to learn about new hires, charitable work involvement, and upcoming educational events.

Latest announcements

Submit Your Questions to Kip

Are you a shareholder and have a question? Use the form below to submit your inquiry, and Kip Kontos, our President & CEO, will provide answers directly. Responses may be shared on this page to help keep shareholders informed. All submissions will be verified to confirm shareholder status.

Recent Questions & Answers

How Much of Baker Boyer's recent loan growth is organic versus purchases or participated loans?

Almost all of our loan growth is organic and comes from clients in our own markets. Of roughly 400 million dollars in total loans, about 18 million dollars are participations we have purchased from other banks and about 12 million dollars are loans where we sold participations to others because they were above our internal lending limits. On a net basis, that means only about 1 to 1.5 percent of our portfolio reflects participations. The rest comes from lending directly to clients in the communities we serve.  - Mark Kajita

Why is capital stability and growth so important to the Bank and to loan growth?

Capital is the foundation that supports the risk a bank takes, particularly in lending. Loans are riskier than holding cash or U.S. Treasuries, so as we have grown loans by about 38 percent since January 1, 2020, regulators expect us to maintain appropriate capital to support that risk. The primary way we grow capital is by retaining a portion of our net income rather than paying it all out in dividends. When we chose to reduce the dividend, it was to preserve and build capital so we could continue to grow high-quality loans and strengthen the long-term earning power of the Bank. - Mark Kajita

Why have Baker Boyer shares lost value and what is the long-term plan to address this?

Our stock is very thinly traded, so a small number of trades in any given month can set the market price. Market participants tend to value the shares using the dividend as an income stream, often assuming it will remain flat and discounting it back like an annuity. Inside the company, we take a longer view. We have intentionally kept dividends lower in the near term in order to build capital, invest in markets such as Yakima, and expand our D.S. Baker Advisor client base. Those investments are already showing results in profitable new client relationships and net growth in accounts. While we cannot predict future share prices, our focus is on strengthening long-term earnings and franchise value, which we believe benefits shareholders over time. - Mark Kajita

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Shareholder Newsletter

Join the shareholder newsletter to stay in touch with all the happenings at Baker Boyer.

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Shareholder Relations Team

Jackson VanSlyke

Jackson VanSlyke

Marketing & Shareholder Relations Coordinator

(509) 526-1210 | vanslykej@bakerboyer.com

Liaison for shareholders for basic questions, and facilitating other shareholder needs.

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Lacey Braswell

Vice President | Properties Manager & Executive Assistant | Transfer Agent

(509) 526-1393 | braswelll@bakerboyer.com

Facilitates share transfers, processes dividends, and coordinates shareholder mailings and the annual shareholder meeting.

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Jolene Riggs

Executive Vice President | Chief Administrative Officer

(509) 526-1317 | riggsj@bakerboyer.com

First contact with requests to sell or buy shares.

Baker Boyer Leadership