Oregon Coast Bank
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Data as of · sourced from FFIEC call reports. How we update
Oregon Coast Bank is an FDIC-insured commercial bank headquartered in Newport, OR, established in 2002 (FDIC certificate 57373), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $446.3M, down 2.5% from Q2 2025, the 11th largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.43% 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
- 57373
- Headquarters
- Newport, OR
- Established
- 2002
- Total assets, Q2 2026
- $446.3M
- Assets vs Q2 2025
- -2.5%
- Tier 1 leverage ratio, Q2 2026
- 10.43%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 123206875
- Latest call report
- Q2 2026, FFIEC 051 · Oregon Coast Bank call report
- Holding company
- OREGON COAST BANCSHARES, INC.
- Asset rank in state
- 11th of 12 in Oregon
Problem loans are rising at Oregon Coast Bank. It reported $446 million in assets at June 30, 2026, down 2.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.65% of loans from 1.70% a year earlier. It carries problem assets equal to 16.1% of the capital and reserves that would absorb them, 6.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Delinquency has appeared in its $80 million non-owner-occupied commercial real estate book: 13.64% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.0% and deposits rose 7.4%. Its margin is thin by comparison: it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Oregon Coast Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 2.65% and a Texas ratio of 16.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Oregon Coast Bank is the 11th largest of the 12 banks headquartered in Oregon. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $446.3M, loans fell 1.3% and deposits fell 0.8%. Non-owner-occupied commercial real estate loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.1%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in OR; its Newport office books 48% of its branch deposits. Judged on its Q2 2026 call report, Oregon Coast Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 909 Se Bay Blvd, Newport, OR 97365
- County
- Lincoln
- Metro Area
- Newport, 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
- July 8, 2002
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $404.0M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $466.6M
- Average total loans
- $266.4M
- Average interest-bearing deposits
- $352.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 8, 2002
- FDIC Cert
- 57373
- Fed RSSD
- 3125557
- SEC CIK
- 1530896 → filed by OREGON COAST BANCSHARES, INC.
- Website
- oregoncoast.bank →
- Parent Holding Company
- OREGON COAST BANCSHARES, INC. (RSSD 3392881)
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, Oregon Coast Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Oregon Coast Bank's total assets ran between $436.4M (Q3 2023) and $468.7M (Q1 2025), 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
$446.3M total assets against $457.5M; $405.3M total liabilities against $425.3M.
$263.5M net loans and leases against $266.3M; $404.0M total deposits against $376.1M.
$112.0M securities against $137.9M; $47.0M cash and balances due against $28.0M.
$5.8M total interest income against $5.9M; $2.1M total interest expense against $2.5M.
$3.6M net interest income against $3.3M.
$487K total noninterest income against $402K; $2.8M total noninterest expense against $3.0M.
$0 provision for credit losses against -$335K.
$1.3M net income against $1.1M.
1.09% return on assets against 0.96%; 3.34% net interest margin against 3.07%.
10.43% tier 1 leverage ratio against 9.59%.
Inside the full Oregon Coast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Oregon Coast Bank rankings
Its closest position to the top of a national ranking is 264 of 3,640, for Texas Ratio; its furthest is 2,566 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.30% (Q1 2025) to 1.15% (Q3 2025) and its net interest margin ran from 2.58% (Q3 2024) to 3.48% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.43% | 1.09% | 2.65% | 16.09% | 3.34% |
| Q1 2026 | 10.44% | 1.08% | 2.00% | 13.10% | 3.48% |
| Q4 2025 | 10.07% | 1.01% | 2.14% | 14.50% | 3.37% |
| Q3 2025 | 9.68% | 1.15% | 1.29% | 9.23% | 3.33% |
| Q2 2025 | 9.59% | 0.96% | 1.70% | 13.37% | 3.07% |
| Q1 2025 | 9.17% | 0.30% | 2.19% | 20.27% | 2.82% |
| Q4 2024 | 9.22% | 0.52% | 1.40% | 14.61% | 2.78% |
| Q3 2024 | 9.21% | 0.53% | 1.08% | 11.12% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Oregon Coast Bank (main office) | Newport , OR | 97365 | $195.1M |
| Pacific City Branch | Pacific City , OR | 97135 | $57.8M |
| Waldport Branch | Waldport , OR | 97394 | $39.3M |
| Lincoln City Branch | Lincoln City , OR | 97367 | $35.8M |
| Tillamook Branch | Tillamook , OR | 97141 | $35.3M |
| Toledo Branch | Toledo , OR | 97391 | $33.1M |
| Coos Bay Branch | Coos Bay , OR | 97420 | $7.5M |
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 |
|---|---|---|---|
| October 1, 2026 | Structure Change | Acquired Connect Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OR, rank 20 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Oregon Coast Bank
What are Oregon Coast Bank's total assets?
As of the Q2 2026 filing, Oregon Coast Bank reported total assets of $446.3 million in its FFIEC call report.
Where is Oregon Coast Bank headquartered?
It is headquartered in Newport, OR, United States.
When was Oregon Coast Bank founded?
It was established in 2002, per the FDIC institution directory.
Is Oregon Coast Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oregon Coast Bank?
Oregon Coast Bank's primary federal regulator is the FDIC.
How many branches does Oregon Coast Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oregon Coast Bank's Texas Ratio?
Its Texas Ratio is 16.09% 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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