People's Bank of Commerce
Medford, OR · Cert 34685 · Peer group: banks under $1B in assets (n=581-629) · Pbco Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
$776.7MAssets
$599.4MLoans
$618.2MDeposits
$115.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets (rank 72 of 629).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 479 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 188 of 629
Net Interest Margin
4.46%
Rank 72 of 629
Efficiency Ratio
61.92%
Rank 206 of 629
Equity / Assets
14.88%
Rank 145 of 629
Non-interest income vs. expense
Unfavorable gap of $19.7M · efficiency ratio beats 67% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.60% | 1.01% | 1.45% | Beats 70% | 188 / 629 | | |
| Return on Equity | 9.03% | 5.38% | 9.30% | 13.28% | Beats 47% | 332 / 629 | | |
| Net Interest Margin | 4.46% | 3.03% | 3.54% | 4.05% | Beats 89% | 72 / 629 | | |
| Efficiency Ratio | 61.92% | 58.35% | 67.79% | 79.08% | Beats 67% | 206 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.09% | 0.46% | 1.20% | Beats 33% | 390 / 581 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 479 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.33% | 11.24% | 13.84% | 18.77% | Beats 62% | 236 / 629 | | |
| Total Risk-Based Capital Ratio | 15.33% | 11.58% | 14.43% | 19.66% | Beats 56% | 277 / 629 | | |
| Equity / Assets | 14.88% | 9.09% | 10.65% | 13.80% | Beats 77% | 145 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.96% | 67.24% | 80.90% | 93.48% | 81st pctl | 114 / 594 | | |
| Loans / Assets | 77.17% | 53.31% | 67.71% | 78.15% | 72nd pctl | 174 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |