Newport, OR · Cert 57373 · Oregon Coast Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.42% | 0.24% | 0.76% | 0.95% | 0.82% | 0.86% | 0.90% | +14 bps | |
| Return on Equity | 6.64% | 6.27% | 3.70% | 11.09% | 12.56% | 9.91% | 10.03% | 10.03% | -106 bps | |
| Net Interest Margin | 2.39% | 2.57% | 2.61% | 2.86% | 3.09% | 3.14% | 3.23% | 3.11% | +25 bps | |
| Efficiency Ratio | 77.47% | 75.07% | 87.25% | 79.01% | 65.87% | 70.81% | 70.63% | 68.97% | -1,004 bps | |
| Non-Interest Burden | 1.78% | 1.84% | 2.23% | 2.18% | 1.90% | 2.11% | 2.15% | 2.01% | -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 | 0.10% | 0.00% | 0.00% | -0.70% | 0.00% | 0.00% | 0.00% | 0.00% | +69 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 | |