Bank of Eastern Oregon
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Data as of · sourced from FFIEC call reports. How we update
Bank of Eastern Oregon is an FDIC-insured commercial bank headquartered in Heppner, OR, established in 1945 (FDIC certificate 16243), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $933.6M, up 5.7% from Q2 2025, the 3rd largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16243
- Headquarters
- Heppner, OR
- Established
- 1945
- Total assets, Q2 2026
- $933.6M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 11.59%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 123203535
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Eastern Oregon call report
- Holding company
- BEO BANCORP
- Asset rank in state
- 3rd of 12 in Oregon
Problem loans are rising at Bank of Eastern Oregon. It reported $934 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.22% of loans from 0.35% a year earlier. It keeps 5.96 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.65% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $5.0 million. Over the same year, loans grew 9.4% and deposits grew 4.8%.
As of June 30, 2026, Bank of Eastern Oregon reported a return on assets of 2.17%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 7.40%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Eastern Oregon is the 3rd largest of the 12 banks headquartered in Oregon. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $933.6M, loans rose 9.1% and deposits fell 4.1%. Agricultural production loans made up 33.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.5%. The FDIC Summary of Deposits lists 22 offices for it, in 22 cities across 3 states; its Heppner office books 15% of its branch deposits. Judged on its Q2 2026 call report, Bank of Eastern Oregon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 279 N Main St, Heppner, OR 97836
- County
- Morrow
- Metro Area
- Hermiston-Pendleton, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 3, 1945
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 165
- Domestic deposits
- $814.5M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $932.3M
- Average total loans
- $652.1M
- Average interest-bearing deposits
- $591.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 1945
- FDIC Cert
- 16243
- Fed RSSD
- 14865
- SEC CIK
- 1480170 → filed by BEO BANCORP
- Website
- www.beobank.com →
- Parent Holding Company
- BEO BANCORP (RSSD 2615154)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Eastern Oregon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Eastern Oregon's total assets moved between a low of $836.1M (Q3 2024) and a high of $960.4M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$933.6M total assets against $883.5M; $827.1M total liabilities against $788.3M.
$677.0M net loans and leases against $618.2M; $814.5M total deposits against $777.5M.
$193.1M securities against $201.0M; $23.7M cash and balances due against $24.8M.
$14.5M total interest income against $13.9M; $1.3M total interest expense against $1.3M.
$13.1M net interest income against $12.7M.
$1.7M total noninterest income against $866K; $8.2M total noninterest expense against $8.0M.
$0 provision for credit losses against $0.
$5.0M net income against $4.2M.
2.17% return on assets against 1.91%; 5.96% net interest margin against 6.12%.
11.59% tier 1 leverage ratio against 10.98%.
Inside the full Bank of Eastern Oregon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Eastern Oregon rankings
Its closest position to the top of a national ranking is 338 of 3,611, for ROA; its furthest is 1,280 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.67% (Q3 2025) to 2.55% (Q4 2024) and its net interest margin ran from 5.57% (Q1 2026) to 6.80% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.59% | 2.17% | 1.22% | 7.40% | 5.96% |
| Q1 2026 | 11.00% | 1.68% | 1.20% | 6.81% | 5.57% |
| Q4 2025 | 10.70% | 1.94% | 0.51% | 2.92% | 5.77% |
| Q3 2025 | 11.14% | 1.67% | 0.44% | 2.55% | 5.97% |
| Q2 2025 | 10.98% | 1.91% | 0.35% | 2.14% | 6.12% |
| Q1 2025 | 10.59% | 1.81% | 0.41% | 2.29% | 5.74% |
| Q4 2024 | 10.37% | 2.55% | 0.36% | 2.04% | 6.80% |
| Q3 2024 | 10.34% | 1.84% | 0.50% | 2.79% | 6.04% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Eastern Oregon (main office) | Heppner , OR | 97836 | $125.6M |
| John Day Branch | John Day , OR | 97845 | $81.7M |
| Enterprise Branch | Enterprise , OR | 97828 | $73.3M |
| Burns Branch | Burns , OR | 97720 | $52.5M |
| Hermiston Branch | Hermiston , OR | 97838 | $49.3M |
| La Grande Branch | La Grande , OR | 97850 | $45.4M |
| Boardman Branch | Boardman , OR | 97818 | $39.3M |
| Moro Branch | Moro , OR | 97039 | $33.9M |
| Pasco Branch | Pasco , WA | 99301 | $33.2M |
| Caldwell Branch | Caldwell , ID | 83605 | $32.8M |
| Condon Branch | Condon , OR | 97823 | $31.4M |
| Ione Branch | Ione , OR | 97843 | $26.8M |
| Colfax Branch | Colfax , WA | 99111 | $25.8M |
| Fossil Branch | Fossil , OR | 97830 | $24.8M |
| Pomeroy Branch | Pomeroy , WA | 99347 | $21.5M |
| Dayton Branch | Dayton , WA | 99328 | $20.1M |
| Pendleton Branch | Pendleton , OR | 97801 | $19.5M |
| Prairie City Branch | Prairie City , OR | 97869 | $17.8M |
| Athena Branch | Athena , OR | 97813 | $17.8M |
| Arlington Branch | Arlington , OR | 97812 | $17.6M |
| Irrigon Branch | Irrigon , OR | 97844 | $17.5M |
| Lacrosse Branch | Lacrosse , WA | 99143 | $6.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2023 | Structure Change | Acquired Farmington State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2015 | Structure Change | Acquired Bank Reale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in OR, rank 15 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20 applications, 18 loans originated, $4.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Eastern Oregon
What are Bank of Eastern Oregon's total assets?
As of the Q2 2026 filing, Bank of Eastern Oregon reported total assets of $933.6 million in its FFIEC call report.
Where is Bank of Eastern Oregon headquartered?
It is headquartered in Heppner, OR, United States.
When was Bank of Eastern Oregon founded?
It was established in 1945, per the FDIC institution directory.
Is Bank of Eastern Oregon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Eastern Oregon?
Bank of Eastern Oregon's primary federal regulator is the FDIC.
How many branches does Bank of Eastern Oregon operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Eastern Oregon's Texas Ratio?
Its Texas Ratio is 7.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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