People's Bank of Commerce
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Data as of · sourced from FFIEC call reports. How we update
People's Bank of Commerce is an FDIC-insured commercial bank headquartered in Medford, OR, established in 1998 (FDIC certificate 34685), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $776.7M, down 4.2% from Q2 2025, the 6th largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34685
- Headquarters
- Medford, OR
- Established
- 1998
- Total assets, Q2 2026
- $776.7M
- Assets vs Q2 2025
- -4.2%
- Tier 1 leverage ratio, Q2 2026
- 15.33%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 123206736
- Latest call report
- Q2 2026, FFIEC 041 · People's Bank of Commerce call report
- Holding company
- PBCO FINANCIAL CORPORATION
- Asset rank in state
- 6th of 12 in Oregon
Problem loans are rising at People's Bank of Commerce. Its balance sheet stood at $777 million at June 30, 2026, down 4.2% from a year earlier; it is based in Medford, Oregon. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.90% of loans from 0.59% a year earlier. It lost 10.2% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 4.82 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans rose 5.4% and deposits fell 10.2%. The commercial and industrial book ($89 million) is worsening: 1.40% of it is past due or on nonaccrual, up from 0.14% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, People's Bank of Commerce reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 4.58%. The figures come from its call report filed with the FFIEC.
People's Bank of Commerce ranks as the 6th largest of the 12 banks based in Oregon, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $776.7M, loans rose 2.1% and deposits fell 5.3%. Owner-occupied commercial real estate loans made up 28.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.7%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in OR; its Medford 2 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, People's Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1528 Biddle Rd, Medford, OR 97504
- County
- Jackson
- Metro Area
- Medford, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 2, 1998
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 138
- Domestic deposits
- $618.2M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $613K
- Average total assets
- $780.5M
- Average total loans
- $593.6M
- Average interest-bearing deposits
- $400.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 2, 1998
- FDIC Cert
- 34685
- Fed RSSD
- 2661861
- SEC CIK
- 1918379 → filed by PBCO FINANCIAL CORPORATION
- Website
- www.peoplesbank.bank →
- Parent Holding Company
- PBCO FINANCIAL CORPORATION (RSSD 5687273)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, People's Bank of Commerce reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, People's Bank of Commerce's total assets ranged from $764.9M (Q4 2023) to $812.3M (Q1 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$776.7M total assets against $811.1M; $661.2M total liabilities against $703.0M.
$593.0M net loans and leases against $562.9M; $618.2M total deposits against $688.7M.
$95.9M securities against $127.8M; $22.5M cash and balances due against $58.0M.
$11.0M total interest income against $10.6M; $2.3M total interest expense against $2.6M.
$8.8M net interest income against $8.0M.
$1.2M total noninterest income against $1.1M; $6.2M total noninterest expense against $5.8M.
$481K provision for credit losses against $328K.
$2.4M net income against $2.2M.
1.22% return on assets against 1.07%; 4.82% net interest margin against 4.18%.
15.33% tier 1 leverage ratio against 13.84%.
Inside the full People's Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
People's Bank of Commerce rankings
Its closest position to the top of a national ranking is 1,273 of 4,196, for total assets; its furthest is 2,096 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.44% (Q1 2026) and its net interest margin ran from 3.90% (Q3 2024) to 4.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.33% | 1.22% | 0.90% | 4.58% | 4.82% |
| Q1 2026 | 14.92% | 1.44% | 1.23% | 6.23% | 4.69% |
| Q4 2025 | 14.16% | 1.29% | 0.66% | 3.33% | 4.45% |
| Q3 2025 | 14.06% | 1.07% | 0.71% | 3.60% | 4.19% |
| Q2 2025 | 13.84% | 1.07% | 0.59% | 3.05% | 4.18% |
| Q1 2025 | 13.69% | 1.02% | 0.81% | 4.27% | 3.95% |
| Q4 2024 | 13.56% | 1.39% | 0.17% | 0.91% | 4.06% |
| Q3 2024 | 13.35% | 1.02% | 0.39% | 2.15% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| People's Bank of Commerce (main office) | Medford , OR | 97504 | $177.0M |
| Barnett Road Branch | Medford , OR | 97504 | $88.0M |
| Grants Pass- Downtown | Grants Pass , OR | 97526 | $85.8M |
| Albany Branch | Albany , OR | 97321 | $61.3M |
| Central Point Branch | Central Point , OR | 97502 | $55.3M |
| Salem Branch | Salem , OR | 97301 | $54.0M |
| Ashland Branch | Ashland , OR | 97520 | $47.6M |
| Lebanon Branch | Lebanon , OR | 97355 | $19.1M |
| Jacksonville Branch | Jacksonville , OR | 97530 | $11.1M |
| Eugene Branch | Eugene , OR | 97401 | $9.9M |
| Klamath Falls Branch | Klamath Falls , OR | 97601 | $9.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2021 | Structure Change | Acquired Willamette Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in OR, rank 16 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.6M approved, $411K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about People's Bank of Commerce
What are People's Bank of Commerce's total assets?
As of the Q2 2026 filing, People's Bank of Commerce reported total assets of $776.7 million in its FFIEC call report.
Where is People's Bank of Commerce headquartered?
It is headquartered in Medford, OR, United States.
When was People's Bank of Commerce founded?
It was established in 1998, per the FDIC institution directory.
Is People's Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates People's Bank of Commerce?
People's Bank of Commerce's primary federal regulator is the FDIC.
How many branches does People's Bank of Commerce operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is People's Bank of Commerce's Texas Ratio?
Its Texas Ratio is 4.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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