People's Bank of Commerce: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 24.53 percentage points in Q2 2026, from 84.08% to 108.61%. It was the largest change from Q1 2026 among the key lines here. Within Oregon, People's Bank of Commerce is 6th of 12 on return on assets, 1.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; People's Bank of Commerce reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.33% |
| Equity capital to assets | 14.88% |
| Tangible equity to tangible assets | 14.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.99% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.42% |
| Texas ratio | 5.01% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 108.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 8.34% |
| Net interest margin | 4.82% |
| Efficiency ratio | 62.55% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.96% |
| Core deposits to total deposits | 96.12% |
| Brokered deposits to total deposits | 3.58% |
| Deposits to assets | 79.60% |
| Securities to assets | 12.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.52% | 0.79% | 3.44% | 0.19% | 0.02% |
| Q4 2023 | 12.49% | -1.85% | 3.54% | 0.19% | 0.06% |
| Q1 2024 | 12.97% | 0.89% | 3.70% | 0.19% | 0.01% |
| Q2 2024 | 13.22% | 0.93% | 3.87% | 0.32% | 0.01% |
| Q3 2024 | 13.35% | 1.02% | 3.90% | 0.52% | 0.02% |
| Q4 2024 | 13.56% | 1.39% | 4.06% | 0.29% | 0.04% |
| Q1 2025 | 13.69% | 1.02% | 3.95% | 0.93% | -0.00% |
| Q2 2025 | 13.84% | 1.07% | 4.18% | 0.71% | -0.01% |
| Q3 2025 | 14.06% | 1.07% | 4.19% | 0.83% | 0.01% |
| Q4 2025 | 14.16% | 1.29% | 4.45% | 0.78% | 0.09% |
| Q1 2026 | 14.92% | 1.44% | 4.69% | 1.33% | -0.00% |
| Q2 2026 | 15.33% | 1.22% | 4.82% | 0.99% | 0.42% |
People's Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank of Commerce, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 People's Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34685) · FFIEC NIC profile (RSSD 2661861)