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Oregon Pacific Banking Co. Dba Oregon Pacific Bank

Florence, OR · Cert 23007 · Oregon Pacific Bcorp

State charter, Fed member · FED · 7 branches

Q2 2026

$825.4MAssets
$609.7MLoans
$723.8MDeposits
$87.1MEquity
Loan mix
86%RE $510.6M14%C&I $84.5M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $549.7M24%Noninterest $174.1MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.82%Q2 ’255.10%Q2 ’26+5%+11%

Non-interest income vs. expense

3.11%Q2 ’243.31%Q2 ’253.27%Q2 ’26+4%-1%

Market Position · Eugene-Springfield, OR · 2026 SOD (annual) · 7.6% share · #7 of 14 inst. · $0.5B of $6.8B

7.6% Lane
0.9% Douglas
6.2% Coos
0.5% Jackson

Executive Summary

  • Earnings: ROA of 1.35%, up 32 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.39% of loans (+30 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.18%, down 34 bps from a year ago.
  • Funding: loans stand at 84.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+39 bps YoY

Efficiency Ratio (YTD, annualized)

64.34%-616 bps YoY

Tier 1 Leverage Ratio

11.18%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.08%1.16%1.28%1.35%+32 bps
Return on Equity9.83%10.26%10.98%11.94%12.70%+288 bps
Net Interest Margin3.64%3.58%3.64%3.98%4.03%+39 bps
Efficiency Ratio70.50%67.58%65.59%66.00%64.34%-616 bps
Non-Interest Burden2.25%2.09%2.03%2.28%2.22%-3 bps
Growth
Asset Growth (YoY)4.31%5.31%4.58%2.94%2.54%-176 bps
Loan Growth (YoY)5.11%5.16%4.91%2.70%3.03%-209 bps
Deposit Growth (YoY)3.59%5.27%4.28%2.84%2.68%-91 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.44%0.39%0.39%+30 bps
Net Charge-Offs / Loans0.06%0.04%0.03%0.16%0.07%+1 bps
Allowance / Loans1.25%1.33%1.37%1.34%1.32%+7 bps
Allowance Coverage of NPLs14.9x14.8x3.2x3.4x3.4x-11.5x
Capital
Tier 1 Leverage Ratio11.52%10.99%10.96%11.16%11.18%-34 bps
Total Risk-Based Capital16.07%15.91%15.94%15.90%15.67%-39 bps
Equity / Assets10.63%10.35%10.78%10.61%10.56%-7 bps
Liquidity & Funding
Loans / Deposits83.96%80.84%84.57%83.30%84.24%+28 bps
Liquid Assets / Assets3.77%5.05%2.05%4.76%3.98%+21 bps
CRE / Total Capitaln/a484%490%483%n/an/a