BANNER CORP (BANR) FY2025 10-K Annual Report
BANNER CORP (BANR) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
BANNER CORP FY2025 10-K Analysis
Business Overview
- • Core business: Regional banking and financial services via Banner Corporation
- • New 2025 Employee Stock Purchase Plan introduced, detailed in Registration Statement filed Nov 5, 2025
Management Discussion & Analysis
- • Revenue $660.7M, up 8.5% YoY from $608.6M; net interest income $587.9M vs $541.7M; mortgage banking $13.2M vs $12.2M
- • Net interest margin 3.96% vs 3.75%; return on average assets 1.21% vs 1.07%; efficiency ratio 61.87% vs 64.33%
Risk Factors
- • Regulatory risk: heightened Federal banking regulators’ scrutiny on commercial real estate exposures, including refinancing risk and collateral valuation
- • Geopolitical/macroeconomic risk: client base concentrated in Puget Sound and Eastern Washington, exposed to regional economic downturns and trade policy shifts impacting supply chains
BANNER CORP FY2025 Key Financial MetricsXBRL
Revenue
$805M
▲ +5.1% YoY
Net Income
$195M
▲ +15.7% YoY
Operating Margin
9.0%
▲ +31bp YoY
Net Margin
24.3%
▲ +223bp YoY
ROE
10.0%
▲ +52bp YoY
Total Assets
$16.4B
▲ +1.0% YoY
EPS (Diluted)
$5.64
▲ +15.6% YoY
Operating Cash Flow
$257M
▼ -12.2% YoY
Source: XBRL data from BANNER CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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