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 | |