Oregon Pacific Banking Co. dba Oregon Pacific Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.44 percentage points higher than in Q1 2026, at 334.92%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $609.7M |
| Net loans and leases | $601.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.87% |
| Loan-to-deposit ratio | 84.24% |
| Net loans to equity capital | 6.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.82% |
| Multifamily (5+ residential) | 10.62% |
| Commercial and industrial | 14.91% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.92% |
| Construction concentration (Tier 1 capital + allowance) | 32.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.88% |
| Interest income on loans | $8.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $525.2M | $672.2M | 54.62% | 14.06% | 0.05% |
| Q4 2023 | $536.7M | $662.7M | 54.09% | 13.35% | 0.24% |
| Q1 2024 | $550.9M | $697.8M | 53.39% | 13.85% | 0.12% |
| Q2 2024 | $563.0M | $680.4M | 54.91% | 13.37% | 0.13% |
| Q3 2024 | $565.5M | $698.8M | 55.80% | 12.43% | 0.14% |
| Q4 2024 | $571.6M | $680.0M | 55.96% | 13.13% | 0.12% |
| Q1 2025 | $582.9M | $698.9M | 55.40% | 13.38% | 0.14% |
| Q2 2025 | $591.8M | $704.8M | 56.62% | 13.07% | 0.13% |
| Q3 2025 | $594.7M | $735.7M | 57.64% | 12.88% | 0.12% |
| Q4 2025 | $599.6M | $709.0M | 58.87% | 13.08% | 0.09% |
| Q1 2026 | $598.7M | $718.7M | 58.38% | 14.11% | 0.10% |
| Q2 2026 | $609.7M | $723.8M | 57.82% | 14.91% | 0.11% |
Oregon Pacific Banking Co. dba Oregon Pacific Bank loan portfolio, all the way back
Loan Portfolio 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-C, 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)