Medford, OR · Cert 34685 · Pbco Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Medford, OR · 2026 SOD (annual) · 8.5% share · #5 of 12 inst. · $0.4B of $4.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.08% | 1.33% | 1.45% | 1.23% | +14 bps | |
| Return on Equity | 8.25% | 8.02% | 9.48% | 10.04% | 8.34% | +8 bps | |
| Net Interest Margin | 3.91% | 3.91% | 4.15% | 4.38% | 4.51% | +60 bps | |
| Efficiency Ratio | 63.90% | 65.14% | 62.00% | 61.04% | 62.59% | -131 bps | |
| Non-Interest Burden | 2.29% | 2.37% | 2.37% | 2.45% | 2.59% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.88% | 2.95% | -1.25% | -4.06% | -4.24% | -712 bps | |
| Loan Growth (YoY) | 0.52% | 1.72% | 4.30% | 3.93% | 5.38% | +486 bps | |
| Deposit Growth (YoY) | 4.47% | 1.79% | -3.16% | -5.91% | -10.23% | -1,470 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.71% | 0.66% | 1.23% | 0.90% | +31 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.09% | 0.00% | 0.41% | +42 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.10% | 1.12% | 1.08% | +3 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.5x | 1.7x | 0.9x | 1.2x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.84% | 14.06% | 14.16% | 14.92% | 15.33% | +148 bps | |
| Total Risk-Based Capital | 13.84% | 14.06% | 14.16% | 14.92% | 15.33% | +148 bps | |
| Equity / Assets | 13.33% | 13.72% | 14.29% | 14.53% | 14.88% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.60% | 84.00% | 88.00% | 89.94% | 96.96% | +1,436 bps | |
| Liquid Assets / Assets | 5.62% | 5.91% | 3.48% | 2.39% | 1.32% | -430 bps | |
| CRE / Total Capital | n/a | 384% | 390% | 385% | n/a | n/a | |