Bank of Eastern Oregon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Eastern Oregon of Heppner, OR against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.17% | 1.34% | +0.83% | 89th top |
| ROAE | 19.19% | 13.31% | +5.88% | 84th top |
| Net Interest Margin | 5.96% | 3.93% | +2.03% | 99th top |
| Efficiency Ratio | 55.19% | 61.14% | -5.95% | 68th above |
| PPNR / Avg Assets | 2.82% | 1.68% | +1.14% | 94th top |
| Yield on Earning Assets | 6.56% | 5.67% | +0.89% | 88th top |
| Cost of Funds | 0.65% | 1.88% | -1.23% | 97th top |
| Net Interest Spread | 5.68% | 3.32% | +2.36% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.94% | +0.24% | 24th bottom |
| NPA / Total Assets | 0.87% | 0.70% | +0.17% | 24th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) | 84.19% | 1540.11% | -1455.92% | 22nd bottom |
| Texas Ratio | 7.40% | 7.33% | +0.07% | 29th below |
| Provision / NCO | 0.00% | 1397.41% | -1397.41% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.59% | 12.14% | -0.55% | 59th above |
| Equity / Assets | 11.41% | 11.37% | +0.04% | 65th above |
| TCE / Tangible Assets | 11.37% | 11.09% | +0.28% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.96% | 80.63% | +3.33% | 43rd below |
| Core Deposit Ratio | 99.02% | 86.85% | +12.17% | 98th top |
| Wholesale Funding Ratio | 0.50% | 5.04% | -4.54% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 6.85% | -1.18% | 60th above |
| Loan Growth (Y/Y) | 9.42% | 7.90% | +1.52% | 72nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.76% | 6.29% | -1.53% | 55th above |
See Bank of Eastern Oregon's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Eastern Oregon, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Eastern Oregon profile, how to read a UBPR, or how this data updates.