Florence, OR · Cert 23007 · Oregon Pacific Bcorp
State charter, Fed member · FED · 7 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
41
Profitability
68
Liquidity
72
Efficiency
51
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.
Florence, OR · Cert 23007 · Oregon Pacific Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Eugene-Springfield, OR · 2026 SOD (annual) · 7.6% share · #7 of 14 inst. · $0.5B of $6.8B
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 | 1.01% | 1.07% | 0.97% | 1.04% | 1.08% | 1.16% | 1.28% | 1.35% | +32 bps | |
| Return on Equity | 10.35% | 10.78% | 9.28% | 9.83% | 10.26% | 10.98% | 11.94% | 12.70% | +288 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.53% | 3.64% | 3.58% | 3.64% | 3.98% | 4.03% | +39 bps | |
| Efficiency Ratio | 69.53% | 68.54% | 73.30% | 70.50% | 67.58% | 65.59% | 66.00% | 64.34% | -616 bps | |
| Non-Interest Burden | 2.12% | 2.09% | 2.30% | 2.25% | 2.09% | 2.03% | 2.28% | 2.22% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.66% | 2.02% | 1.30% | 4.31% | 5.31% | 4.58% | 2.94% | 2.54% | -176 bps | |
| Loan Growth (YoY) | 7.67% | 6.50% | 5.81% | 5.11% | 5.16% | 4.91% | 2.70% | 3.03% | -209 bps | |
| Deposit Growth (YoY) | 3.95% | 2.60% | 0.15% | 3.59% | 5.27% | 4.28% | 2.84% | 2.68% | -91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.14% | 0.14% | 0.08% | 0.09% | 0.44% | 0.39% | 0.39% | +30 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.06% | 0.04% | 0.03% | 0.16% | 0.07% | +1 bps | |
| Allowance / Loans | 1.31% | 1.29% | 1.27% | 1.25% | 1.33% | 1.37% | 1.34% | 1.32% | +7 bps | |
| Allowance Coverage of NPLs | 26.6x | 9.3x | 9.2x | 14.9x | 14.8x | 3.2x | 3.4x | 3.4x | -11.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.96% | 11.19% | 11.40% | 11.52% | 10.99% | 10.96% | 11.16% | 11.18% | -34 bps | |
| Total Risk-Based Capital | 15.90% | 16.11% | 16.10% | 16.07% | 15.91% | 15.94% | 15.90% | 15.67% | -39 bps | |
| Equity / Assets | 10.17% | 10.46% | 10.53% | 10.63% | 10.35% | 10.78% | 10.61% | 10.56% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.92% | 84.06% | 83.41% | 83.96% | 80.84% | 84.57% | 83.30% | 84.24% | +28 bps | |
| Liquid Assets / Assets | 3.25% | 1.41% | 3.46% | 3.77% | 5.05% | 2.05% | 4.76% | 3.98% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 484% | 490% | 483% | n/a | n/a | |
Florence, OR · Cert 23007 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oregon Pacific Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
1.34%
Rank 234 of 746
Net Interest Margin
4.03%
Rank 237 of 746
Efficiency Ratio
64.34%
Rank 369 of 746
Equity / Assets
10.56%
Rank 366 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.72% | 1.06% | 1.45% | Beats 69% | 234 / 746 | ||
| Return on Equity | 12.72% | 6.74% | 10.51% | 13.63% | Beats 68% | 237 / 746 | ||
| Net Interest Margin | 4.03% | 3.17% | 3.68% | 4.16% | Beats 68% | 237 / 746 | ||
| Efficiency Ratio | 64.34% | 55.74% | 64.58% | 75.47% | Beats 51% | 369 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.07% | Beats 53% | 350 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 530 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.42% | 11.55% | 13.75% | 17.60% | Beats 56% | 329 / 746 | ||
| Total Risk-Based Capital Ratio | 15.67% | 11.71% | 14.33% | 18.43% | Beats 61% | 294 / 746 | ||
| Equity / Assets | 10.56% | 8.90% | 10.51% | 13.06% | Beats 51% | 366 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.24% | 61.31% | 78.27% | 90.78% | 63rd pctl | 274 / 746 | ||
| Loans / Assets | 73.87% | 53.60% | 66.97% | 76.08% | 68th pctl | 236 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||