Oregon Pacific Banking Co. dba Oregon Pacific Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 3.7% in Q2 2026 to $2.2M, the biggest move on this page. Within Oregon, Oregon Pacific Banking Co. dba Oregon Pacific Bank is 5th of 12 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. Oregon Pacific Banking Co. dba Oregon Pacific Bank reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 5.88% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.72% | 0.87% | 3.90% | 5.12% | 3.50% |
| Q4 2023 | 4.82% | 1.07% | 3.81% | 5.20% | 3.59% |
| Q1 2024 | 4.87% | 1.24% | 3.70% | 5.27% | 3.56% |
| Q2 2024 | 5.01% | 1.32% | 3.76% | 5.40% | 3.64% |
| Q3 2024 | 5.09% | 1.45% | 3.74% | 5.50% | 3.54% |
| Q4 2024 | 5.10% | 1.40% | 3.81% | 5.59% | 3.36% |
| Q1 2025 | 5.01% | 1.37% | 3.74% | 5.46% | 3.41% |
| Q2 2025 | 5.20% | 1.34% | 3.96% | 5.64% | 3.42% |
| Q3 2025 | 5.27% | 1.34% | 4.03% | 5.79% | 3.51% |
| Q4 2025 | 5.32% | 1.29% | 4.12% | 5.87% | 3.55% |
| Q1 2026 | 5.35% | 1.24% | 4.20% | 5.88% | 3.61% |
| Q2 2026 | 5.41% | 1.20% | 4.30% | 5.88% | 3.74% |
Oregon Pacific Banking Co. dba Oregon Pacific Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oregon Pacific Banking Co. dba Oregon Pacific Bank, freeSource: Call Report Schedules RI and RC-K, 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)