Oregon Pacific Banking Co. dba Oregon Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
Oregon Pacific Banking Co. dba Oregon Pacific Bank is an FDIC-insured commercial bank headquartered in Florence, OR, established in 1979 (FDIC certificate 23007), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $825.4M, up 2.5% from Q2 2025, the 4th largest of 12 banks headquartered in Oregon. Its CET1 capital ratio was 14.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23007
- Headquarters
- Florence, OR
- Established
- 1979
- Total assets, Q2 2026
- $825.4M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 14.42%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 123206338
- Latest call report
- Q2 2026, FFIEC 051 · Oregon Pacific Banking Co. dba Oregon Pacific Bank call report
- Holding company
- OREGON PACIFIC BANCORP
- Asset rank in state
- 4th of 12 in Oregon
Problem loans are rising at Oregon Pacific Banking Co. dba Oregon Pacific Bank. Its balance sheet stood at $825 million at June 30, 2026, up 2.5% from a year earlier; it is based in Florence, Oregon. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.08% a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.9 million, 34% above the same quarter a year earlier. Delinquency has appeared in its $91 million commercial and industrial book: 1.84% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Oregon Pacific Banking Co. dba Oregon Pacific Bank reported a CET1 capital ratio of 14.42%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Oregon Pacific Banking Co. dba Oregon Pacific Bank is the 4th largest of the 12 banks headquartered in Oregon. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $825.4M, loans rose 1.8% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 38.9% of total loans, followed by owner-occupied commercial real estate loans at 19.0%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in OR; its Florence office books 36% of its branch deposits. On its Q2 2026 call report, Oregon Pacific Banking Co. dba Oregon Pacific Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1355 Highway 101, Florence, OR 97439
- County
- Lane
- Metro Area
- Eugene-Springfield, OR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 17, 1979
- Former names
- Oregon Pacific Banking Company dba Oregon Pacific Bank (2006)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 146
- Domestic deposits
- $723.8M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $227K
- Average total assets
- $821.5M
- Average total loans
- $602.1M
- Average interest-bearing deposits
- $545.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 17, 1979
- FDIC Cert
- 23007
- Fed RSSD
- 160360
- SEC CIK
- 1216128 → filed by OREGON PACIFIC BANCORP
- Website
- www.oregonpacificbank.com →
- Parent Holding Company
- OREGON PACIFIC BANCORP (RSSD 3152423)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Oregon Pacific Banking Co. dba Oregon Pacific Bank's total assets ran between $752.5M (Q3 2023) and $837.4M (Q3 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
$825.4M total assets against $805.0M; $738.3M total liabilities against $719.4M.
$601.7M net loans and leases against $584.4M; $723.8M total deposits against $704.8M.
$141.5M securities against $142.4M; $44.9M cash and balances due against $41.5M.
$10.5M total interest income against $9.7M; $2.2M total interest expense against $2.3M.
$8.4M net interest income against $7.4M.
$2.2M total noninterest income against $2.1M; $6.6M total noninterest expense against $6.4M.
$0 provision for credit losses against $164K.
$2.9M net income against $2.2M.
1.43% return on assets against 1.10%; 4.30% net interest margin against 3.96%.
14.42% CET1 capital ratio against 14.82%; 11.18% tier 1 leverage ratio against 11.52%.
Inside the full Oregon Pacific Banking Co. dba Oregon Pacific 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Oregon Pacific Banking Co. dba Oregon Pacific Bank rankings
Its closest position to the top of a national ranking is 1,215 of 4,196, for total assets; its furthest is 2,105 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.43% (Q2 2026) and its net interest margin ran from 3.74% (Q3 2024) to 4.30% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 1.43% | 0.39% | 2.65% | 4.30% |
| Q1 2026 | 14.65% | 1.27% | 0.39% | 2.65% | 4.20% |
| Q4 2025 | 14.69% | 1.36% | 0.44% | 2.89% | 4.12% |
| Q3 2025 | 14.66% | 1.14% | 0.09% | 0.73% | 4.03% |
| Q2 2025 | 14.82% | 1.10% | 0.08% | 0.70% | 3.96% |
| Q1 2025 | 14.85% | 0.96% | 0.14% | 0.88% | 3.74% |
| Q4 2024 | 14.86% | 1.21% | 0.14% | 0.90% | 3.81% |
| Q3 2024 | 14.65% | 1.02% | 0.05% | 0.32% | 3.74% |
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 Pacific Banking Company Dba Oregon Pacific Bank | Florence , OR | 97439 | $261.8M |
| Eugene Branch | Eugene , OR | 97401 | $255.3M |
| Roseburg Branch Oregon Pacific Bk Co Branch | Roseburg , OR | 97471 | $84.8M |
| Coos Bay Branch Oregon Pacific Bk Co Branch | Coos Bay , OR | 97420 | $83.6M |
| Medford Branch | Medford , OR | 97504 | $23.3M |
| Portland Branch | Tigard , OR | 97224 | $15.0M |
| Medford Trust Branch | Medford , OR | 97504 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 23, 2010, Federal Reserve: Written Agreement: Oregon Pacific Bancorp, Florence, Oregon; Oregon Pacific Bank, Florence, Oregon
- Period: Most recent institution action July 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OR, rank 13 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 23 loans originated, $14.1M originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.5M approved, $772K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Pacific Banking Co. dba Oregon Pacific Bank
What are Oregon Pacific Banking Co. dba Oregon Pacific Bank's total assets?
As of the Q2 2026 filing, Oregon Pacific Banking Co. dba Oregon Pacific Bank reported total assets of $825.4 million in its FFIEC call report.
Where is Oregon Pacific Banking Co. dba Oregon Pacific Bank headquartered?
It is headquartered in Florence, OR, United States.
When was Oregon Pacific Banking Co. dba Oregon Pacific Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Oregon Pacific Banking Co. dba Oregon Pacific Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23007). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oregon Pacific Banking Co. dba Oregon Pacific Bank?
Oregon Pacific Banking Co. dba Oregon Pacific Bank's primary federal regulator is the Federal Reserve.
What is Oregon Pacific Banking Co. dba Oregon Pacific Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oregon Pacific Banking Co. dba Oregon Pacific 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 Pacific Banking Co. dba Oregon Pacific Bank's Texas Ratio?
Its Texas Ratio is 2.65% 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.
What was Oregon Pacific Banking Co. dba Oregon Pacific Bank previously called?
The charter now named Oregon Pacific Banking Co. dba Oregon Pacific Bank has also operated as Oregon Pacific Banking Company dba Oregon Pacific Bank (2006), per FDIC structure-change records.
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