Heppner, OR · Cert 16243 · Beo Bcorp
State charter, non-member · FDIC · 22 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
53
Asset Quality
43
Profitability
96
Liquidity
99
Efficiency
70
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.
Heppner, OR · Cert 16243 · Beo Bcorp
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · Kennewick-Richland, WA · 2026 SOD (annual) · 0.8% share · #13 of 17 inst. · $0.0B of $3.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 2.01% | 1.82% | 1.86% | 1.79% | 1.83% | 1.66% | 1.90% | +4 bps | |
| Return on Equity | 18.99% | 20.86% | 17.88% | 17.96% | 17.07% | 17.43% | 15.54% | 17.38% | -59 bps | |
| Net Interest Margin | 5.64% | 5.65% | 5.45% | 5.60% | 5.55% | 5.27% | 5.24% | 5.49% | -11 bps | |
| Efficiency Ratio | 58.42% | 56.01% | 58.45% | 58.45% | 59.91% | 58.71% | 59.93% | 57.52% | -94 bps | |
| Non-Interest Burden | 3.14% | 2.99% | 3.03% | 3.12% | 3.18% | 2.95% | 3.00% | 2.94% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 0.81% | 5.54% | 3.61% | 8.86% | 10.68% | 7.00% | 5.67% | +205 bps | |
| Loan Growth (YoY) | 8.38% | 11.17% | 11.99% | 9.69% | 9.65% | 5.56% | 4.05% | 9.42% | -27 bps | |
| Deposit Growth (YoY) | -2.58% | -0.50% | 4.57% | 3.13% | 8.20% | 10.11% | 6.43% | 4.76% | +163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.36% | 0.41% | 0.35% | 0.44% | 0.51% | 1.20% | 1.22% | +87 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.13% | 1.09% | 1.10% | 1.10% | 1.08% | 1.00% | -9 bps | |
| Allowance Coverage of NPLs | 2.3x | 3.2x | 2.8x | 3.1x | 2.5x | 2.2x | 0.9x | 0.8x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 10.37% | 10.59% | 10.98% | 11.14% | 10.70% | 11.00% | 11.59% | +61 bps | |
| Total Risk-Based Capital | 10.34% | 10.37% | 10.59% | 10.98% | 11.14% | 10.70% | 11.00% | 11.59% | +61 bps | |
| Equity / Assets | 10.35% | 10.08% | 10.24% | 10.78% | 10.92% | 10.60% | 10.82% | 11.41% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.95% | 76.02% | 75.54% | 80.39% | 76.97% | 72.89% | 73.85% | 83.96% | +357 bps | |
| Liquid Assets / Assets | 0.96% | 1.99% | 4.74% | 0.47% | 3.96% | 8.76% | 3.69% | 0.53% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 143.61% | 137.31% | 136.36% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.94% | 0.82% | 1.19% | 1.46% | Beats 96% | 4 / 94 | ||
| Return on Equity | 16.97% | 7.85% | 11.84% | 14.03% | Beats 94% | 6 / 94 | ||
| Net Interest Margin | 5.49% | 3.42% | 3.81% | 4.18% | Beats 98% | 2 / 94 | ||
| Efficiency Ratio | 57.80% | 55.99% | 62.41% | 73.02% | Beats 70% | 29 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.19% | 0.47% | 1.14% | Beats 22% | 74 / 94 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 63% | 36 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.59% | 10.28% | 11.95% | 15.07% | Beats 44% | 53 / 94 | ||
| Total Risk-Based Capital Ratio | 11.59% | 10.31% | 12.59% | 15.88% | Beats 40% | 56 / 94 | ||
| Equity / Assets | 11.41% | 8.98% | 10.21% | 11.41% | Beats 74% | 24 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.96% | 72.62% | 84.44% | 94.55% | 47th pctl | 50 / 94 | ||
| Loans / Assets | 73.25% | 62.50% | 72.84% | 78.99% | 53rd pctl | 44 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||