Salem, OR · Cert 57033 · Oregon Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Salem, OR · 2026 SOD (annual) · 4.6% share · #8 of 13 inst. · $0.3B of $7.2B
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 | 0.61% | 0.74% | 0.75% | 0.41% | 0.53% | -8 bps | |
| Return on Equity | 3.86% | 4.66% | 4.63% | 2.41% | 3.20% | -66 bps | |
| Net Interest Margin | 3.45% | 3.46% | 3.57% | 3.72% | 3.74% | +29 bps | |
| Efficiency Ratio | 85.54% | 83.55% | 83.45% | 88.06% | 83.94% | -160 bps | |
| Non-Interest Burden | 2.66% | 2.55% | 2.63% | 3.18% | 3.05% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.41% | -7.62% | -3.77% | -4.03% | 1.29% | +570 bps | |
| Loan Growth (YoY) | -6.56% | -8.75% | -5.02% | -4.78% | -4.22% | +234 bps | |
| Deposit Growth (YoY) | 5.35% | -1.65% | -0.92% | -1.07% | 9.30% | +395 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.29% | 0.35% | 0.22% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.00% | 1.01% | 1.01% | 0 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.4x | 3.4x | 2.9x | 4.6x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.66% | 16.49% | 16.98% | 17.16% | 16.99% | +33 bps | |
| Total Risk-Based Capital | 16.66% | 16.49% | 16.98% | 17.16% | 16.99% | +33 bps | |
| Equity / Assets | 16.09% | 16.36% | 16.82% | 16.97% | 16.27% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.48% | 90.28% | 89.87% | 88.06% | 84.55% | -1,193 bps | |
| Liquid Assets / Assets | 2.48% | 4.10% | 2.63% | 2.67% | 3.03% | +55 bps | |
| CRE / Total Capital | n/a | 324% | 316% | 324% | n/a | n/a | |