Oregon Coast Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.49 percentage points lower than in Q1 2026, at 41.52%. Within Oregon, Oregon Coast Bank is 7th of 12 on return on assets, 1.09% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Oregon Coast Bank sits 0.16 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.43% |
| Equity capital to assets | 9.18% |
| Tangible equity to tangible assets | 9.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.65% |
| Non-performing assets ratio | 1.58% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 16.09% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 41.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 12.78% |
| Net interest margin | 3.34% |
| Efficiency ratio | 67.80% |
| Yield on earning assets | 5.28% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.96% |
| Core deposits to total deposits | 91.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.52% |
| Securities to assets | 25.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.33% | 0.83% | 2.91% | 1.59% | 0.87% |
| Q4 2023 | 9.60% | 1.29% | 3.01% | 0.76% | -0.06% |
| Q1 2024 | 9.17% | 0.45% | 2.59% | 0.79% | -0.00% |
| Q2 2024 | 9.41% | 0.45% | 2.60% | 0.78% | -0.00% |
| Q3 2024 | 9.21% | 0.53% | 2.58% | 1.17% | 0.10% |
| Q4 2024 | 9.22% | 0.52% | 2.78% | 2.14% | 0.00% |
| Q1 2025 | 9.17% | 0.30% | 2.82% | 3.40% | -0.00% |
| Q2 2025 | 9.59% | 0.96% | 3.07% | 2.57% | -0.70% |
| Q3 2025 | 9.68% | 1.15% | 3.33% | 2.63% | -0.00% |
| Q4 2025 | 10.07% | 1.01% | 3.37% | 3.09% | 0.00% |
| Q1 2026 | 10.44% | 1.08% | 3.48% | 2.01% | 0.00% |
| Q2 2026 | 10.43% | 1.09% | 3.34% | 2.65% | -0.00% |
Oregon Coast Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oregon Coast Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)