Bank of Eastern Oregon: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 10.11 percentage points in Q2 2026, from 73.85% to 83.96%. It was the largest change from Q1 2026 among the key lines here. Bank of Eastern Oregon ranks 8th of 12 Oregon banks on loan-to-deposit ratio, in the lower half at 83.96% (Q2 2026). Bank of Eastern Oregon reported 83.96% on loan-to-deposit ratio for Q2 2026, 3.12 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $683.9M |
| Net loans and leases | $677.0M |
| Loans held for sale | $0 |
| Loans to total assets | 73.25% |
| Loan-to-deposit ratio | 83.96% |
| Net loans to equity capital | 6.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.48% |
| Multifamily (5+ residential) | 2.14% |
| Commercial and industrial | 12.70% |
| Consumer | 0.50% |
| Credit cards | 0.21% |
| Farm | 25.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.67% |
| Construction concentration (Tier 1 capital + allowance) | 20.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.41% |
| Interest income on loans | $12.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $520.3M | $762.0M | 16.15% | 12.80% | 0.70% |
| Q4 2023 | $527.9M | $775.8M | 15.77% | 12.30% | 0.70% |
| Q1 2024 | $538.0M | $762.9M | 15.87% | 13.54% | 0.68% |
| Q2 2024 | $569.7M | $753.8M | 15.22% | 12.32% | 0.65% |
| Q3 2024 | $563.8M | $742.4M | 15.87% | 12.76% | 0.68% |
| Q4 2024 | $586.8M | $771.9M | 17.05% | 13.00% | 0.69% |
| Q1 2025 | $602.6M | $797.7M | 18.38% | 11.94% | 0.64% |
| Q2 2025 | $625.0M | $777.5M | 17.91% | 12.78% | 0.59% |
| Q3 2025 | $618.3M | $803.2M | 18.68% | 13.01% | 0.58% |
| Q4 2025 | $619.5M | $849.9M | 18.03% | 13.08% | 0.56% |
| Q1 2026 | $627.0M | $849.0M | 17.73% | 12.44% | 0.57% |
| Q2 2026 | $683.9M | $814.5M | 16.48% | 12.70% | 0.50% |
Bank of Eastern Oregon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eastern Oregon, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Eastern Oregon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16243) · FFIEC NIC profile (RSSD 14865)