Oregon Coast Bank
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
$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 197 of 581).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets (rank 533 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 45% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |