Newport, OR · Cert 57373 · Oregon Coast Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
37
Profitability
40
Liquidity
54
Efficiency
45
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.
Newport, OR · Cert 57373 · Oregon Coast Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.40% | 0.24% | 0.50% | 0.65% | 0.69% | 0.86% | 0.88% | +38 bps | |
| Return on Equity | 6.12% | 6.24% | 3.70% | 7.47% | 9.20% | 9.43% | 10.03% | 9.99% | +252 bps | |
| Net Interest Margin | 2.37% | 2.40% | 2.61% | 2.76% | 2.84% | 2.96% | 3.23% | 3.13% | +38 bps | |
| Efficiency Ratio | 80.79% | 79.26% | 87.25% | 83.01% | 76.80% | 75.21% | 70.63% | 69.81% | -1,320 bps | |
| Non-Interest Burden | 1.85% | 1.84% | 2.23% | 2.23% | 2.10% | 2.13% | 2.15% | 2.06% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.56% | 5.34% | 4.75% | 4.43% | -2.76% | -2.80% | -4.56% | -2.46% | -688 bps | |
| Loan Growth (YoY) | 7.95% | 11.90% | 12.66% | 13.14% | 10.51% | 5.98% | 2.34% | -0.99% | -1,413 bps | |
| Deposit Growth (YoY) | 1.04% | 7.18% | 4.86% | 7.18% | 3.94% | 9.94% | 7.75% | 7.40% | +22 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.40% | 2.19% | 1.70% | 1.29% | 2.14% | 2.00% | 2.65% | +95 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | -0.35% | -0.23% | -0.17% | 0.00% | 0.00% | +35 bps | |
| Allowance / Loans | 0.96% | 1.01% | 1.03% | 1.06% | 1.06% | 1.06% | 1.09% | 1.10% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.5x | 0.6x | 0.8x | 0.5x | 0.5x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.22% | 9.17% | 9.59% | 9.68% | 10.07% | 10.44% | 10.43% | +84 bps | |
| Total Risk-Based Capital | 9.21% | 9.22% | 9.17% | 9.59% | 9.68% | 10.07% | 10.44% | 10.43% | +84 bps | |
| Equity / Assets | 6.91% | 6.48% | 6.68% | 7.04% | 8.07% | 8.53% | 8.70% | 9.18% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.15% | 69.76% | 69.77% | 71.55% | 71.40% | 67.24% | 66.27% | 65.96% | -559 bps | |
| Liquid Assets / Assets | 0.32% | 0.46% | 0.47% | 0.32% | 0.64% | 0.90% | 2.13% | 0.36% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 290% | 282% | n/a | n/a | |
Newport, OR · Cert 57373 · Peer group: banks under $1B in assets (n=581-629) · Oregon Coast Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.88%
Rank 380 of 629
Net Interest Margin
3.13%
Rank 442 of 629
Efficiency Ratio
69.81%
Rank 350 of 629
Equity / Assets
9.18%
Rank 462 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.60% | 1.01% | 1.45% | Beats 40% | 380 / 629 | ||
| Return on Equity | 9.61% | 5.38% | 9.30% | 13.28% | Beats 51% | 308 / 629 | ||
| Net Interest Margin | 3.13% | 3.03% | 3.54% | 4.05% | Beats 30% | 442 / 629 | ||
| Efficiency Ratio | 69.81% | 58.35% | 67.79% | 79.08% | Beats 45% | 350 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.65% | 0.09% | 0.46% | 1.20% | Beats 8% | 533 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 197 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.43% | 11.24% | 13.84% | 18.77% | Beats 15% | 534 / 629 | ||
| Total Risk-Based Capital Ratio | 10.43% | 11.58% | 14.43% | 19.66% | Beats 13% | 545 / 629 | ||
| Equity / Assets | 9.18% | 9.09% | 10.65% | 13.80% | Beats 27% | 462 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.96% | 67.24% | 80.90% | 93.48% | 24th pctl | 450 / 594 | ||
| Loans / Assets | 59.70% | 53.31% | 67.71% | 78.15% | 34th pctl | 418 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||