Oregon Pacific Banking Co. dba Oregon Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oregon Pacific Banking Co. dba Oregon Pacific Bank of Florence, OR against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.43% | 1.34% | +0.09% | 59th above |
| ROAE | 13.48% | 13.32% | +0.16% | 57th above |
| Net Interest Margin | 4.30% | 3.93% | +0.37% | 70th above |
| Efficiency Ratio | 62.62% | 61.13% | +1.49% | 46th below |
| PPNR / Avg Assets | 1.92% | 1.68% | +0.24% | 69th above |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 53rd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 384.70% | 1547.14% | -1162.44% | 65th above |
| Texas Ratio | 2.65% | 7.34% | -4.69% | 56th above |
| Provision / NCO | 16.30% | 1396.54% | -1380.24% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.42% | 19.49% | -5.07% | 43rd below |
| Tier 1 Ratio | 14.42% | 19.53% | -5.11% | 43rd below |
| Total Capital Ratio | 15.67% | 20.61% | -4.94% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.18% | 12.14% | -0.96% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.56% | 11.37% | -0.81% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.56% | 11.08% | -0.52% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.24% | 80.66% | +3.58% | 42nd below |
| Core Deposit Ratio | 97.74% | 86.84% | +10.90% | 95th top |
| Wholesale Funding Ratio | 0.91% | 5.04% | -4.13% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.54% | 6.84% | -4.30% | 36th below |
| Loan Growth (Y/Y) | 3.03% | 7.92% | -4.89% | 37th below |
| Deposit Growth (Y/Y) | 2.68% | 6.29% | -3.61% | 40th below |
See Oregon Pacific Banking Co. dba Oregon Pacific Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oregon Pacific Banking Co. dba Oregon Pacific Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oregon Pacific Banking Co. dba Oregon Pacific Bank profile, how to read a UBPR, or how this data updates.