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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

6.14%Q2 ’246.31%Q2 ’256.21%Q2 ’26+1%-2%

Non-interest income vs. expense

3.48%Q2 ’243.60%Q2 ’253.54%Q2 ’26+5%-12%

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 2.13%, up 24 bps year over year; NIM at 5.64%.
  • Asset quality: problem loans at 1.22% of loans (+87 bps YoY), with net recoveries of 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 (quarter, annualized)

2.13%+24 bps YoY

Net Interest Margin (quarter, annualized)

5.64%-10 bps YoY

Efficiency Ratio (quarter, annualized)

55.35%-311 bps YoY

Tier 1 Leverage Ratio

11.59%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%1.67%1.97%1.66%2.13%+24 bps
Return on Equity18.01%15.41%18.35%15.54%19.19%+118 bps
Net Interest Margin5.74%5.60%5.44%5.24%5.64%-10 bps
Efficiency Ratio58.46%62.76%55.28%59.93%55.35%-311 bps
Non-Interest Burden3.21%3.37%2.84%3.00%2.81%-40 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