Oregon Pacific Banking Co. dba Oregon Pacific Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.03 percentage points higher than in Q1 2026, at 86.19%. Within Oregon, Oregon Pacific Banking Co. dba Oregon Pacific Bank is 7th of 12 on loan-to-deposit ratio, 84.24% as of Q2 2026, below the middle of the field. Oregon Pacific Banking Co. dba Oregon Pacific Bank reported 84.24% on loan-to-deposit ratio for Q2 2026, 3.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $186.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.24% |
| Net loans and leases to deposits | 83.13% |
| Loans and leases to core deposits | 86.19% |
| Core deposits to total deposits | 97.74% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.13% | 98.09% | $0 | $5.0M |
| Q4 2023 | 80.98% | 97.76% | $0 | $17.0M |
| Q1 2024 | 78.95% | 95.99% | $0 | $7.5M |
| Q2 2024 | 82.75% | 95.80% | $0 | $7.5M |
| Q3 2024 | 80.92% | 95.61% | $0 | $7.5M |
| Q4 2024 | 84.06% | 96.34% | $0 | $7.5M |
| Q1 2025 | 83.41% | 96.31% | $0 | $7.5M |
| Q2 2025 | 83.96% | 96.29% | $0 | $7.5M |
| Q3 2025 | 80.84% | 96.53% | $0 | $7.5M |
| Q4 2025 | 84.57% | 96.09% | $0 | $7.5M |
| Q1 2026 | 83.30% | 97.81% | $0 | $7.5M |
| Q2 2026 | 84.24% | 97.74% | $0 | $7.5M |
Oregon Pacific Banking Co. dba Oregon Pacific Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oregon Pacific Banking Co. dba Oregon Pacific Bank, freeSource: Call Report Schedules RC and RC-M, 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)