Oregon City, OR · Cert 58428
FDIC · 3 branches
Q3 2025
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2025 SOD (annual) · 0.2% share · #22 of 29 inst. · $0.1B of $65.6B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | 0.14% | 0.10% | 0.13% | 0.21% | 0.04% | 0.11% | 0.15% | +2 bps | |
| Return on Equity | -5.25% | 1.49% | 1.07% | 1.32% | 2.09% | 0.35% | 1.08% | 1.39% | +7 bps | |
| Net Interest Margin | 2.27% | 2.39% | 2.39% | 2.49% | 2.52% | 2.33% | 2.34% | 2.41% | -8 bps | |
| Efficiency Ratio | 92.64% | 94.08% | 96.01% | 94.91% | 94.04% | 99.31% | 95.81% | 94.15% | -76 bps | |
| Non-Interest Burden | 2.10% | 2.22% | 2.27% | 2.34% | 2.34% | 2.30% | 2.22% | 2.23% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.66% | 1.31% | 5.70% | -1.66% | -12.40% | 3.72% | -10.81% | -4.72% | -306 bps | |
| Loan Growth (YoY) | -8.63% | -7.02% | -2.30% | -3.72% | -3.35% | -2.31% | -7.46% | -1.82% | +189 bps | |
| Deposit Growth (YoY) | -11.10% | -9.30% | 7.81% | -4.34% | -11.62% | 11.48% | -8.03% | 2.28% | +661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.05% | 0.07% | 0.03% | 0.72% | 0.74% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.02% | 0.04% | 0.07% | -0.01% | -0.10% | -0.07% | -10 bps | |
| Allowance / Loans | 1.38% | 1.37% | 1.38% | 1.39% | 1.15% | 1.13% | 1.23% | 1.20% | -19 bps | |
| Allowance Coverage of NPLs | 114.0x | 144.5x | 28.0x | 18.6x | 45.8x | 1.6x | 1.7x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 11.09% | 10.96% | 10.99% | 11.20% | 11.08% | 10.89% | 11.50% | +51 bps | |
| Total Risk-Based Capital | 21.94% | 21.47% | 21.15% | 21.98% | 22.18% | 20.91% | 21.79% | 21.24% | -74 bps | |
| Equity / Assets | 9.32% | 9.78% | 9.34% | 10.17% | 10.89% | 9.83% | 10.99% | 10.83% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.15% | 63.32% | 59.51% | 61.57% | 63.59% | 55.49% | 59.88% | 59.11% | -247 bps | |
| Liquid Assets / Assets | 10.53% | 4.59% | 5.78% | 13.99% | 6.53% | 11.74% | 6.63% | 8.39% | -560 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 307% | n/a | n/a |