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 | |