McMinnville, OR · Cert 29624
SL · OCC · 6 branches
Q2 2026
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.9% share · #11 of 26 inst. · $0.6B of $65.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.31% | 0.35% | 0.44% | 0.49% | +19 bps | |
| Return on Equity | 2.90% | 3.03% | 3.33% | 4.04% | 4.47% | +156 bps | |
| Net Interest Margin | 2.46% | 2.54% | 2.58% | 2.75% | 2.84% | +38 bps | |
| Efficiency Ratio | 85.77% | 85.65% | 84.49% | 81.80% | 78.19% | -759 bps | |
| Non-Interest Burden | 2.06% | 2.12% | 2.13% | 2.19% | 2.15% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.91% | 4.46% | 3.99% | 1.62% | 2.92% | 0 bps | |
| Loan Growth (YoY) | 3.58% | 0.64% | 1.11% | 1.15% | 3.38% | -20 bps | |
| Deposit Growth (YoY) | 1.36% | 3.40% | 2.87% | 0.80% | 2.27% | +91 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.18% | 0.00% | 0.00% | 0.04% | -13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.04% | 1.03% | 1.03% | +1 bps | |
| Allowance Coverage of NPLs | 6.1x | 5.8x | n/a | n/a | 26.6x | +20.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.66% | 11.69% | 11.77% | 11.89% | 11.90% | +24 bps | |
| Total Risk-Based Capital | 22.03% | 22.47% | 22.87% | 22.28% | 22.05% | +1 bps | |
| Equity / Assets | 10.47% | 10.77% | 10.93% | 10.79% | 10.93% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.94% | 72.20% | 71.34% | 70.83% | 73.73% | +79 bps | |
| Liquid Assets / Assets | 8.46% | 11.74% | 10.02% | 7.85% | 6.02% | -243 bps | |
| CRE / Total Capital | n/a | 187.89% | 184.20% | 189.82% | n/a | n/a | |