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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.78% | 0.46% | 0.76% | 1.01% | 0.75% | 0.41% | 0.67% | -9 bps | |
| Return on Equity | 5.74% | 5.16% | 2.96% | 4.76% | 6.26% | 4.53% | 2.41% | 4.01% | -75 bps | |
| Net Interest Margin | 3.32% | 3.34% | 3.29% | 3.55% | 3.62% | 3.66% | 3.72% | 3.82% | +27 bps | |
| Efficiency Ratio | 81.22% | 87.19% | 86.79% | 84.40% | 79.89% | 83.16% | 88.06% | 79.50% | -490 bps | |
| Non-Interest Burden | 2.24% | 2.67% | 2.61% | 2.65% | 2.44% | 2.69% | 3.18% | 2.97% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.00% | 18.72% | 16.84% | -4.41% | -7.62% | -3.77% | -4.03% | 1.29% | +570 bps | |
| Loan Growth (YoY) | 3.88% | -2.83% | -5.78% | -6.56% | -8.75% | -5.02% | -4.78% | -4.22% | +234 bps | |
| Deposit Growth (YoY) | 8.26% | 6.56% | 8.45% | 5.35% | -1.65% | -0.92% | -1.07% | 9.30% | +395 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.31% | 0.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.07% | 1.01% | 1.00% | 1.00% | 1.01% | 1.01% | 0 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.4x | 3.5x | 3.5x | 3.4x | 3.4x | 2.9x | 4.6x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.28% | 15.67% | 16.25% | 16.66% | 16.49% | 16.98% | 17.16% | 16.99% | +33 bps | |
| Total Risk-Based Capital | 15.28% | 15.67% | 16.25% | 16.66% | 16.49% | 16.98% | 17.16% | 16.99% | +33 bps | |
| Equity / Assets | 14.77% | 15.54% | 15.82% | 16.09% | 16.36% | 16.82% | 16.97% | 16.27% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.30% | 93.75% | 91.49% | 96.48% | 90.28% | 89.87% | 88.06% | 84.55% | -1,193 bps | |
| Liquid Assets / Assets | 6.75% | 7.23% | 4.80% | 2.48% | 4.10% | 2.63% | 2.67% | 3.03% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 316% | 324% | n/a | n/a | |