Oregon Coast Bank: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 14.47 percentage points lower than in Q1 2026, at 215.89%. Oregon Coast Bank has the 2nd lowest loan-to-deposit ratio of the 12 banks headquartered in Oregon, at 65.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Oregon Coast Bank sits 14.88 points lower, at 65.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $266.5M |
| Net loans and leases | $263.5M |
| Loans held for sale | $0 |
| Loans to total assets | 59.70% |
| Loan-to-deposit ratio | 65.96% |
| Net loans to equity capital | 6.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.33% |
| Multifamily (5+ residential) | 6.56% |
| Commercial and industrial | 7.50% |
| Consumer | 3.01% |
| Credit cards | 0.00% |
| Farm | 0.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.89% |
| Construction concentration (Tier 1 capital + allowance) | 26.46% |
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 | — |
| Interest income on loans | $4.7M |
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 | $229.4M | $365.0M | 32.42% | 9.36% | 7.50% |
| Q4 2023 | $232.4M | $347.9M | 32.06% | 8.05% | 7.72% |
| Q1 2024 | $234.1M | $360.4M | 31.02% | 8.07% | 7.19% |
| Q2 2024 | $237.9M | $350.9M | 31.91% | 7.72% | 6.53% |
| Q3 2024 | $247.7M | $368.8M | 32.63% | 7.21% | 5.80% |
| Q4 2024 | $260.1M | $372.9M | 33.98% | 7.21% | 5.11% |
| Q1 2025 | $263.7M | $377.9M | 33.85% | 7.11% | 4.46% |
| Q2 2025 | $269.1M | $376.1M | 35.35% | 6.58% | 3.96% |
| Q3 2025 | $273.7M | $383.4M | 34.96% | 6.23% | 3.69% |
| Q4 2025 | $275.7M | $409.9M | 37.37% | 6.58% | 3.47% |
| Q1 2026 | $269.9M | $407.2M | 38.33% | 6.91% | 3.23% |
| Q2 2026 | $266.5M | $404.0M | 37.33% | 7.50% | 3.01% |
Oregon Coast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oregon Coast Bank, 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 Oregon Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57373) · FFIEC NIC profile (RSSD 3125557)