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
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% | 373 / 617 | |
| Return on Equity | 9.61% | 5.30% | 9.43% | 13.30% | Beats 51% | 304 / 617 | |
| Net Interest Margin | 3.13% | 3.04% | 3.54% | 4.05% | Beats 29% | 439 / 617 | |
| Efficiency Ratio | 69.81% | 58.03% | 67.76% | 79.08% | Beats 45% | 341 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.65% | 0.09% | 0.47% | 1.27% | Beats 9% | 521 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 195 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 10.43% | 11.18% | 13.83% | 18.55% | Beats 16% | 520 / 617 | |
| Total Risk-Based Capital Ratio | 10.43% | 11.56% | 14.39% | 19.39% | Beats 14% | 530 / 617 | |
| Equity / Assets | 9.18% | 9.03% | 10.55% | 13.63% | Beats 28% | 446 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 65.96% | 64.77% | 79.70% | 93.06% | 27th pctl | 427 / 582 | |
| Loans / Assets | 59.70% | 51.70% | 67.18% | 77.51% | 36th pctl | 396 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |