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The Bank of Baker

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The Bank of Baker Rates & Review April 2026

Q: How many branches does The Bank of Baker operate?

The Bank of Baker currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, The Bank of Baker does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Bank of Baker provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 2026

You can compare The Bank of Baker rates to other rates in our database, including 12-month CD rates currently at 3.04%, 6-month CD rates at 3.81% and 3-month CD rates at 0.05%. Savings rates are at 0.25% and money market rates are at 0.07%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to The Bank of Baker rates. MonitorBankRates evaluates the financial stability of The Bank of Baker with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.37%. Rates were last updated on 04/05/2026.

The Bank of Baker money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Bank of Baker? Share your experience about The Bank of Baker by leaving a review below, or read customer reviews before you decide to use The Bank of Baker.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.37%

Excellent Higher than avg

The Bank of Baker

116 S Main St
Baker, MT 59313

https://www.bankofbaker.com

Current Rate Availability

We do not have The Bank of Baker rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Bank of Baker is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Bank of Baker rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Bank of Baker's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Bank of Baker

Bank Holding Company UNITED BCORP

Address 116 S Main St, Baker, MT 59313 · Fallon

Website https://www.bankofbaker.com

FDIC Certificate # 352

Established 09/20/1924

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6633%

Return on Equity (ROE) 13.6600%

Non-Performing Loans (NPL) 0.74%

Total Assets $162,718,000

Total Deposits $144,084,000

Equity Capital $17,738,000

Net Income $2,296,000

Headquarters Baker

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About The Bank of Baker

Is The Bank of Baker a safe place to deposit money?

Yes, The Bank of Baker is considered a safe financial institution. With a Texas Ratio of 7.3720356261401%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does The Bank of Baker operate?

The Bank of Baker currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Bank of Baker does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Bank of Baker provides members with tools to manage their accounts and build a solid financial history.

Does The Bank of Baker offer online and mobile banking?

Most modern institutions like The Bank of Baker provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofbaker.com.