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 | |