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Bank of Eastern Oregon

Heppner, OR · Cert 16243 · Beo Bcorp

State charter, non-member · FDIC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Eastern Oregon

Heppner, OR · Cert 16243 · Beo Bcorp

State charter, non-member · FDIC · 22 branches

Q2 2026

$933.6MAssets
$683.9MLoans
$814.5MDeposits
$106.5MEquity
Loan mix
80%RE $336.5M19%C&I $78.0M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $598.8M26%Noninterest $215.7MQ2 2025Q2 2026

NIM

6.06%Q2 ’246.16%Q2 ’256.06%Q2 ’26-1%-2%

Non-interest income vs. expense

3.53%Q2 ’243.52%Q2 ’253.49%Q2 ’26+1%-6%

Market Position · Kennewick-Richland, WA · 2026 SOD (annual) · 0.8% share · #13 of 17 inst. · $0.0B of $3.9B

81.1% Morrow
100.0% Grant
7.0% Umatilla
42.6% Wallowa

Executive Summary

  • Earnings: ROA of 1.90%, up 4 bps year over year; NIM at 5.49%.
  • Asset quality: problem loans at 1.22% of loans (+87 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.59%, up 61 bps from a year ago.
  • Funding: loans stand at 83.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.90%+4 bps YoY

Net Interest Margin (YTD, annualized)

5.49%-11 bps YoY

Efficiency Ratio (YTD, annualized)

57.52%-94 bps YoY

Tier 1 Leverage Ratio

11.59%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.79%1.83%1.66%1.90%+4 bps
Return on Equity17.96%17.07%17.43%15.54%17.38%-59 bps
Net Interest Margin5.60%5.55%5.27%5.24%5.49%-11 bps
Efficiency Ratio58.45%59.91%58.71%59.93%57.52%-94 bps
Non-Interest Burden3.12%3.18%2.95%3.00%2.94%-19 bps
Growth
Asset Growth (YoY)3.61%8.86%10.68%7.00%5.67%+205 bps
Loan Growth (YoY)9.69%9.65%5.56%4.05%9.42%-27 bps
Deposit Growth (YoY)3.13%8.20%10.11%6.43%4.76%+163 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.44%0.51%1.20%1.22%+87 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.02%0.01%+1 bps
Allowance / Loans1.09%1.10%1.10%1.08%1.00%-9 bps
Allowance Coverage of NPLs3.1x2.5x2.2x0.9x0.8x-2.3x
Capital
Tier 1 Leverage Ratio10.98%11.14%10.70%11.00%11.59%+61 bps
Total Risk-Based Capital10.98%11.14%10.70%11.00%11.59%+61 bps
Equity / Assets10.78%10.92%10.60%10.82%11.41%+63 bps
Liquidity & Funding
Loans / Deposits80.39%76.97%72.89%73.85%83.96%+357 bps
Liquid Assets / Assets0.47%3.96%8.76%3.69%0.53%+6 bps
CRE / Total Capitaln/a143.61%137.31%136.36%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Eastern Oregon

Heppner, OR · Cert 16243 · Peer group: banks under $1B in assets operating regionally (n=94) · Beo Bcorp

State charter, non-member · FDIC · 22 branches

Q2 2026

$933.6MAssets
$683.9MLoans
$814.5MDeposits
$106.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets operating regionally (rank 2 of 94).
  • Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets operating regionally (rank 74 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.94%

Rank 4 of 94

Net Interest Margin

5.49%

Rank 2 of 94

Efficiency Ratio

57.80%

Rank 29 of 94

Equity / Assets

11.41%

Rank 24 of 94

Non-interest income vs. expense

$5.2M$32.6MINCOMEEXPENSE
Unfavorable gap of $27.4M · efficiency ratio beats 70% of banks under $1B in assets operating regionally
Bank 57.80%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.94%0.82%1.19%1.46%Beats 96%4 / 94
Return on Equity16.97%7.85%11.84%14.03%Beats 94%6 / 94
Net Interest Margin5.49%3.42%3.81%4.18%Beats 98%2 / 94
Efficiency Ratio57.80%55.99%62.41%73.02%Beats 70%29 / 94
Asset Quality
Nonperforming Loans / Loans1.22%0.19%0.47%1.14%Beats 22%74 / 94
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 63%36 / 94
Capital
Tier 1 Capital Ratio11.59%10.28%11.95%15.07%Beats 44%53 / 94
Total Risk-Based Capital Ratio11.59%10.31%12.59%15.88%Beats 40%56 / 94
Equity / Assets11.41%8.98%10.21%11.41%Beats 74%24 / 94
Liquidity & Funding
Loans / Deposits83.96%72.62%84.44%94.55%47th pctl50 / 94
Loans / Assets73.25%62.50%72.84%78.99%53rd pctl44 / 94
Brokered Deposits / Depositsn/aNot reported for this institution