BANK OF EASTERN OREGON

HEPPNER, OR | Medium | Est. March 3, 1945, midnight | FDIC #16243 | RSSD #14865 | FDIC
Latest Report: 2025-12-31

BANK OF EASTERN OREGON is amn medium FDIC-insured commercial bank headquartered in HEPPNER, OR, established in March 3, 1945, midnight. As of 2025-12-31, the bank reported total assets of $960M and total deposits of $850M. Profitability stands at 1.97% ROA and 18.35% ROE, with a net interest margin of 6.02%. The bank's CET1 capital ratio is 10.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.38%. FDIC Certificate #16243.

Assets

$960M

Deposits

$850M

Loans

$619M

Equity

$102M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 18.35%
Net Interest Margin (NIM) 6.02%
Yield on Assets 6.69%
Cost of Funds 0.69%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.38%
NPA Ratio 0.16%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 10.55%
Tier 1 Capital 10.55%
Total Capital Ratio 11.08%
Leverage Ratio 10.70%
Loan-to-Deposit 72.89%

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