Grants Pass, OR · Cert 28914
State savings bank · OCC · 6 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
54
Asset Quality
38
Profitability
33
Liquidity
39
Efficiency
45
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.
Grants Pass, OR · Cert 28914
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Grants Pass, OR · 2026 SOD (annual) · 17.9% share · #1 of 10 inst. · $0.4B of $2.0B
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 | 0.40% | 0.38% | 0.55% | 0.57% | 0.58% | 0.59% | 0.78% | 0.81% | +24 bps | |
| Return on Equity | 3.38% | 3.24% | 4.47% | 4.67% | 4.75% | 4.77% | 6.11% | 6.24% | +157 bps | |
| Net Interest Margin | 3.05% | 3.07% | 3.22% | 3.19% | 3.18% | 3.23% | 3.52% | 3.59% | +40 bps | |
| Efficiency Ratio | 77.83% | 79.53% | 76.95% | 75.87% | 75.74% | 75.59% | 65.77% | 66.15% | -972 bps | |
| Non-Interest Burden | 2.32% | 2.39% | 2.42% | 2.36% | 2.35% | 2.38% | 2.13% | 2.24% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 1.13% | 0.66% | 2.25% | 2.75% | 0.87% | 2.62% | -0.31% | -256 bps | |
| Loan Growth (YoY) | 5.58% | 4.44% | 2.40% | 0.23% | -0.65% | -1.52% | -0.48% | 1.35% | +112 bps | |
| Deposit Growth (YoY) | -2.88% | -2.21% | 3.70% | 5.92% | 6.32% | 4.49% | 2.06% | -1.30% | -722 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.72% | 0.72% | 0.91% | 0.80% | 0.86% | 0.71% | 0.63% | -28 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.00% | 0.02% | 0.01% | 0.01% | 0.11% | 0.05% | +3 bps | |
| Allowance / Loans | 1.30% | 1.31% | 1.33% | 1.34% | 1.37% | 1.40% | 1.40% | 1.40% | +6 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.8x | 1.8x | 1.5x | 1.7x | 1.6x | 2.0x | 2.2x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.58% | 12.64% | 12.75% | 12.65% | 12.61% | 12.82% | 13.06% | 13.24% | +59 bps | |
| Total Risk-Based Capital | 12.58% | 12.64% | 12.75% | 12.65% | 12.61% | 12.82% | 13.06% | 13.24% | +59 bps | |
| Equity / Assets | 12.11% | 12.11% | 12.34% | 12.33% | 12.43% | 12.85% | 12.86% | 13.21% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.93% | 96.01% | 91.14% | 89.33% | 88.71% | 90.49% | 88.88% | 91.73% | +240 bps | |
| Liquid Assets / Assets | 4.64% | 4.24% | 5.18% | 7.01% | 8.03% | 6.39% | 9.42% | 7.58% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 346% | 343% | 343% | n/a | n/a | |
Grants Pass, OR · Cert 28914 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 6 branches
Q2 2026
Return on Assets
0.81%
Rank 513 of 746
Net Interest Margin
3.59%
Rank 402 of 746
Efficiency Ratio
66.15%
Rank 411 of 746
Equity / Assets
13.21%
Rank 177 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.72% | 1.06% | 1.45% | Beats 31% | 513 / 746 | ||
| Return on Equity | 6.13% | 6.74% | 10.51% | 13.63% | Beats 22% | 581 / 746 | ||
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 402 / 746 | ||
| Efficiency Ratio | 66.15% | 55.74% | 64.58% | 75.47% | Beats 45% | 411 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.07% | Beats 41% | 441 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 35% | 482 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.24% | 11.55% | 13.75% | 17.60% | Beats 45% | 413 / 746 | ||
| Total Risk-Based Capital Ratio | 13.24% | 11.71% | 14.33% | 18.43% | Beats 40% | 447 / 746 | ||
| Equity / Assets | 13.21% | 8.90% | 10.51% | 13.06% | Beats 76% | 177 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.73% | 61.31% | 78.27% | 90.78% | 77th pctl | 170 / 746 | ||
| Loans / Assets | 79.20% | 53.60% | 66.97% | 76.08% | 84th pctl | 123 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||