| Metric | Bank of Eastern Oregon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.4 pts |
| Loan growth (YoY) | +9.5% | +5.3% | +4.2 pts |
| ROA | 1.90% | 1.28% | +0.6 pts |
| ROE | 17.4% | 12.4% | +4.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $933.6M | $814.5M | $677.0M | $106.5M | $9.0M | 1.90% | 5.75% | 0.89% |
| Q1 2026 | $960.3M | $849.0M | $620.2M | $103.9M | $4.0M | 1.66% | 5.54% | 0.78% |
| Q4 2025 | $960.4M | $849.9M | $612.6M | $101.8M | $16.6M | 1.83% | 5.96% | 0.33% |
| Q3 2025 | $910.2M | $803.2M | $611.4M | $99.4M | $12.0M | 1.79% | 5.98% | 0.30% |
| Q2 2025 | $883.5M | $777.5M | $618.2M | $95.2M | $8.2M | 1.86% | 6.00% | 0.25% |
| Q1 2025 | $897.5M | $797.7M | $595.8M | $92.0M | $4.0M | 1.82% | 5.83% | 0.27% |
| Q4 2024 | $867.7M | $771.9M | $580.1M | $87.4M | $17.1M | 2.01% | 6.26% | 0.24% |
| Q3 2024 | $836.1M | $742.4M | $557.2M | $86.5M | $11.5M | 1.81% | 6.02% | 0.34% |
Loan mix (Q2 2026): real estate $354.4M · commercial $86.8M · consumer $3.4M · securities $193.1M
| Ratio | Bank of Eastern Oregon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 61.2% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Eastern Oregon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Eastern Oregon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Eastern Oregon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Eastern Oregon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.