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 | |