| Metric | Oregon Coast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.4% | -6.8 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | -1.0% | +5.6% | -6.6 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 12.7% | 11.9% | +0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $446.3M | $404.0M | $263.5M | $41.0M | $2.5M | 1.12% | 3.49% | 1.58% |
| Q1 2026 | $447.3M | $407.2M | $266.9M | $38.9M | $1.2M | 1.10% | 3.51% | 1.23% |
| Q4 2025 | $449.6M | $409.9M | $272.7M | $38.3M | $4.0M | 0.88% | 3.23% | 1.33% |
| Q3 2025 | $448.0M | $383.4M | $270.8M | $36.2M | $2.8M | 0.83% | 3.15% | 0.81% |
| Q2 2025 | $457.5M | $376.1M | $266.3M | $32.2M | $1.5M | 0.64% | 2.99% | 1.03% |
| Q1 2025 | $468.7M | $377.9M | $261.0M | $31.3M | $360K | 0.31% | 2.87% | 1.47% |
| Q4 2024 | $462.5M | $372.9M | $257.5M | $30.0M | $2.3M | 0.51% | 2.70% | 1.03% |
| Q3 2024 | $460.7M | $368.8M | $245.3M | $31.8M | $1.7M | 0.50% | 2.66% | 0.83% |
Loan mix (Q2 2026): real estate $200.3M · commercial $20.1M · consumer $8.0M · securities $112.0M
| Ratio | Oregon Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 62.9% | 68th |
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 | Oregon Coast Bank | 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 | Oregon Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Oregon Coast Bank | 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 | Oregon Coast Bank | 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 | Oregon Coast Bank | 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.
7 branches in 3 counties across 1 state (+0 vs 2025) · $404.0M branch deposits. Biggest market: Lincoln, OR, ranked 1st with 16.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, OR | 4 | $303.4M | 16.92% | 1st |
| Tillamook, OR | 2 | $93.1M | 12.83% | 4th |
| Coos, OR | 1 | $7.5M | 0.40% | 11th |
Oregon: 38th with 0.28% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 7 · 2026 7
Oregon Coast Bank is in an open deal as the acquirer: Oregon Coast Bank: merger application (approved, filed May 12, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 2, 2026 | Acquirer | — | Merger | Approved | FDIC |
Technology spend down 24% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).