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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