Oregon Pacific Banking Company dba Oregon Pacific Bank
Total assets
$825.4M
▲ +2.5% YoY
Deposits
$723.8M
▲ +2.7% YoY
Loans
$601.7M
▲ +3.0% YoY
Offices
7
OREGON PACIFIC BCORP
ROA (annualized)
1.35%
peers 1.28%
ROE (annualized)
12.70%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +3.0% | +5.3% | -2.4 pts |
| ROA | 1.35% | 1.28% | +0.1 pts |
| ROE | 12.7% | 12.4% | +0.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
Profile
- Established
- 1979
- Charter
- State
- Primary regulator
- FED
- Holding company
- OREGON PACIFIC BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 1355 Highway 101, Florence, OR, 97439
- County
- Lane
- Metro area
- Eugene-Springfield, OR
- Offices
- 7
- FDIC cert #
- 23007
- RSSD ID
- 160360
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $825.4M | $723.8M | $601.7M | $87.1M | $5.5M | 1.35% | 4.29% | 0.31% |
| Q1 2026 | $821.0M | $718.7M | $590.6M | $87.1M | $2.6M | 1.28% | 4.25% | 0.31% |
| Q4 2025 | $811.8M | $709.0M | $591.4M | $87.5M | $9.3M | 1.16% | 4.03% | 0.34% |
| Q3 2025 | $837.4M | $735.7M | $586.8M | $86.7M | $6.5M | 1.08% | 3.94% | 0.08% |
| Q2 2025 | $805.0M | $704.8M | $584.4M | $85.6M | $4.1M | 1.04% | 3.87% | 0.08% |
| Q1 2025 | $797.5M | $698.9M | $575.5M | $83.9M | $1.9M | 0.97% | 3.79% | 0.10% |
| Q4 2024 | $776.3M | $680.0M | $564.2M | $81.2M | $8.3M | 1.07% | 3.81% | 0.10% |
| Q3 2024 | $795.1M | $698.8M | $558.1M | $80.8M | $5.9M | 1.01% | 3.77% | 0.04% |
Loan mix (Q2 2026): real estate $515.2M · commercial $90.9M · consumer $663K · securities $141.5M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.89% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 61.2% | 60th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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