Oregon Pacific Banking Co. dba Oregon Pacific Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Common stock, which rose 6.2% to $2.3M. Oregon Pacific Banking Co. dba Oregon Pacific Bank has the 2nd lowest CET1 ratio of the 6 banks headquartered in Oregon, at 14.42% as of Q2 2026. Oregon Pacific Banking Co. dba Oregon Pacific Bank reported 14.42% on CET1 ratio for Q2 2026, 0.65 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.42% |
| Tier 1 risk-based capital ratio | 14.42% |
| Total risk-based capital ratio | 15.67% |
| Tier 1 leverage ratio | 11.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $91.8M |
| Tier 1 capital | $91.8M |
| Total risk-based capital | $99.8M |
| Total equity capital | $87.1M |
| Risk-weighted assets | $636.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.56% |
| Tangible equity to tangible assets | 10.56% |
| Equity capital to average assets | 10.61% |
| Internal capital growth rate | 0.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $36.1M |
| Retained earnings | $53.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.34% | 14.34% | 15.59% | 10.40% | $558.5M |
| Q4 2023 | 14.28% | 14.28% | 15.53% | 10.70% | $576.1M |
| Q1 2024 | 14.33% | 14.33% | 15.58% | 10.78% | $584.0M |
| Q2 2024 | 14.35% | 14.35% | 15.60% | 10.82% | $595.4M |
| Q3 2024 | 14.65% | 14.65% | 15.90% | 10.96% | $594.5M |
| Q4 2024 | 14.86% | 14.86% | 16.11% | 11.19% | $599.7M |
| Q1 2025 | 14.85% | 14.85% | 16.10% | 11.40% | $609.9M |
| Q2 2025 | 14.82% | 14.82% | 16.07% | 11.52% | $617.2M |
| Q3 2025 | 14.66% | 14.66% | 15.91% | 10.99% | $624.6M |
| Q4 2025 | 14.69% | 14.69% | 15.94% | 10.96% | $625.2M |
| Q1 2026 | 14.65% | 14.65% | 15.90% | 11.16% | $626.0M |
| Q2 2026 | 14.42% | 14.42% | 15.67% | 11.18% | $636.8M |
Oregon Pacific Banking Co. dba Oregon Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oregon Pacific Banking Co. dba Oregon Pacific Bank, freeSource: Call Report Schedule RC-R, 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 Pacific Banking Co. dba Oregon Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23007) · FFIEC NIC profile (RSSD 160360)