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Oregon Coast Bank

Newport, OR · Cert 57373 · Oregon Coast Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oregon Coast Bank

Newport, OR · Cert 57373 · Oregon Coast Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$446.3MAssets
$266.5MLoans
$404.0MDeposits
$41.0MEquity
Loan mix
88%RE $205.0M8%C&I $18.7M4%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $342.7M15%Noninterest $61.2MQ2 2025Q2 2026

NIM

4.57%Q2 ’244.95%Q2 ’254.92%Q2 ’26+14%+14%

Non-interest income vs. expense

2.27%Q2 ’242.58%Q2 ’252.49%Q2 ’26+15%-8%

Executive Summary

  • Earnings: ROA of 0.88%, up 38 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 2.65% of loans (+95 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.43%, up 84 bps from a year ago.
  • Funding: loans stand at 65.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+38 bps YoY

Efficiency Ratio (YTD, annualized)

69.81%-1,320 bps YoY

Tier 1 Leverage Ratio

10.43%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.65%0.69%0.86%0.88%+38 bps
Return on Equity7.47%9.20%9.43%10.03%9.99%+252 bps
Net Interest Margin2.76%2.84%2.96%3.23%3.13%+38 bps
Efficiency Ratio83.01%76.80%75.21%70.63%69.81%-1,320 bps
Non-Interest Burden2.23%2.10%2.13%2.15%2.06%-17 bps
Growth
Asset Growth (YoY)4.43%-2.76%-2.80%-4.56%-2.46%-688 bps
Loan Growth (YoY)13.14%10.51%5.98%2.34%-0.99%-1,413 bps
Deposit Growth (YoY)7.18%3.94%9.94%7.75%7.40%+22 bps
Asset Quality
Nonperforming Loans / Loans1.70%1.29%2.14%2.00%2.65%+95 bps
Net Charge-Offs / Loans-0.35%-0.23%-0.17%0.00%0.00%+35 bps
Allowance / Loans1.06%1.06%1.06%1.09%1.10%+4 bps
Allowance Coverage of NPLs0.6x0.8x0.5x0.5x0.4x-0.2x
Capital
Tier 1 Leverage Ratio9.59%9.68%10.07%10.44%10.43%+84 bps
Total Risk-Based Capital9.59%9.68%10.07%10.44%10.43%+84 bps
Equity / Assets7.04%8.07%8.53%8.70%9.18%+214 bps
Liquidity & Funding
Loans / Deposits71.55%71.40%67.24%66.27%65.96%-559 bps
Liquid Assets / Assets0.32%0.64%0.90%2.13%0.36%+4 bps
CRE / Total Capitaln/a298%290%282%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oregon Coast Bank

Newport, OR · Cert 57373 · Peer group: banks under $1B in assets (n=570-617) · Oregon Coast Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$446.3MAssets
$266.5MLoans
$404.0MDeposits
$41.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 66% of banks under $1B in assets (rank 195 of 570).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 521 of 570).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.88%

Rank 373 of 617

Net Interest Margin

3.13%

Rank 439 of 617

Efficiency Ratio

69.81%

Rank 341 of 617

Equity / Assets

9.18%

Rank 446 of 617

Non-interest income vs. expense

$2.0M$11.6MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 45% of banks under $1B in assets
Bank 69.81%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.60%1.01%1.45%Beats 40%373 / 617
Return on Equity9.61%5.30%9.43%13.30%Beats 51%304 / 617
Net Interest Margin3.13%3.04%3.54%4.05%Beats 29%439 / 617
Efficiency Ratio69.81%58.03%67.76%79.08%Beats 45%341 / 617
Asset Quality
Nonperforming Loans / Loans2.65%0.09%0.47%1.27%Beats 9%521 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 66%195 / 570
Capital
Tier 1 Capital Ratio10.43%11.18%13.83%18.55%Beats 16%520 / 617
Total Risk-Based Capital Ratio10.43%11.56%14.39%19.39%Beats 14%530 / 617
Equity / Assets9.18%9.03%10.55%13.63%Beats 28%446 / 617
Liquidity & Funding
Loans / Deposits65.96%64.77%79.70%93.06%27th pctl427 / 582
Loans / Assets59.70%51.70%67.18%77.51%36th pctl396 / 617
Brokered Deposits / Depositsn/aNot reported for this institution