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
Unfavorable gap of $27.4M · efficiency ratio beats 70% of banks under $1B in assets operating regionally | 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 |