Oregon Pacific Banking Co. Dba Oregon Pacific Bank
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
$825.4MAssets
$609.7MLoans
$723.8MDeposits
$87.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 69% of banks under $1B in assets operating in a single state (rank 234 of 746).
- Widest gap: net charge-offs / loans trails 71% of banks under $1B in assets operating in a single state (rank 530 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.2M · efficiency ratio beats 51% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |