Oregon Coast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oregon Coast Bank of Newport, 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 | 1.09% | 1.34% | -0.25% | 39th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.78% | 13.31% | -0.53% | 53rd above |
| Net Interest Margin | 3.34% | 3.93% | -0.59% | 21st bottom |
| Efficiency Ratio | 67.80% | 61.14% | +6.66% | 33rd below |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 24th bottom |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 2.06% | 1.88% | +0.18% | 34th below |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.65% | 0.94% | +1.71% | 8th bottom |
| NPA / Total Assets | 1.58% | 0.70% | +0.88% | 11th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 41.52% | 1539.38% | -1497.86% | 7th bottom |
| Texas Ratio | 16.09% | 7.33% | +8.76% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.43% | 12.14% | -1.71% | 40th below |
| Equity / Assets | 9.18% | 11.38% | -2.20% | 30th below |
| TCE / Tangible Assets | 9.18% | 11.09% | -1.91% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.96% | 80.64% | -14.68% | 76th top |
| Core Deposit Ratio | 91.73% | 86.86% | +4.87% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.46% | 6.86% | -9.32% | 9th bottom |
| Loan Growth (Y/Y) | -0.99% | 7.91% | -8.90% | 19th bottom |
| Deposit Growth (Y/Y) | 7.40% | 6.29% | +1.11% | 73rd above |
See Oregon Coast Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oregon Coast Bank, 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 Oregon Coast Bank profile, how to read a UBPR, or how this data updates.