Oregon Pacific Banking Co. dba Oregon Pacific Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Oregon Pacific Banking Co. dba Oregon Pacific Bank is an FDIC-insured commercial bank. Total assets stand at $825M. The bank posts a strong 1.43% ROA and 13.48% ROE. Capital cushions are healthy: 14.42% CET1, 11.18% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.34%. It operates 7 branches, primarily in Oregon.
As of June 30, 2026, Oregon Pacific Banking Co. dba Oregon Pacific Bank reported a CET1 capital ratio of 14.42%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.34%, a Texas ratio of 2.65%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1355 Highway 101, Florence, OR 97439
- County
- Lane
- Metro Area
- Eugene-Springfield, OR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 17, 1979
- Former names
- Oregon Pacific Banking Company dba Oregon Pacific Bank (2006)
- Offices
- 7 domestic
- Employees (FTE)
- 146
- Domestic deposits
- $723.8M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $227K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 17, 1979
- FDIC Cert
- 23007
- Fed RSSD
- 160360
- SEC CIK
- 1216128 → filed by OREGON PACIFIC BANCORP
- Website
- www.oregonpacificbank.com →
- Parent Holding Company
- OREGON PACIFIC BANCORP (RSSD 3152423)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Oregon Pacific Banking Co. dba Oregon Pacific Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Oregon Pacific Banking Co. dba Oregon Pacific 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Oregon Pacific Banking Co. dba Oregon Pacific Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 1.43% | 0.34% | 2.65% | 4.30% |
| Q1 2026 | 14.65% | 1.27% | 0.35% | 2.65% | 4.20% |
| Q4 2025 | 14.69% | 1.36% | 0.39% | 2.89% | 4.12% |
| Q3 2025 | 14.66% | 1.14% | 0.08% | 0.73% | 4.03% |
| Q2 2025 | 14.82% | 1.10% | 0.08% | 0.70% | 3.96% |
| Q1 2025 | 14.85% | 0.96% | 0.14% | 0.88% | 3.74% |
| Q4 2024 | 14.86% | 1.21% | 0.25% | 1.60% | 3.81% |
| Q3 2024 | 14.65% | 1.02% | 0.16% | 1.03% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oregon Pacific Banking Company Dba Oregon Pacific Bank | Florence , OR | 97439 | $261.8M |
| Eugene Branch | Eugene , OR | 97401 | $255.3M |
| Roseburg Branch Oregon Pacific Bk Co Branch | Roseburg , OR | 97471 | $84.8M |
| Coos Bay Branch Oregon Pacific Bk Co Branch | Coos Bay , OR | 97420 | $83.6M |
| Medford Branch | Medford , OR | 97504 | $23.3M |
| Portland Branch | Tigard , OR | 97224 | $15.0M |
| Medford Trust Branch | Medford , OR | 97504 | $0 |
Regulatory record
What the public regulatory sources show for Oregon Pacific Banking Co. dba Oregon Pacific Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 23, 2010, Federal Reserve: Written Agreement: Oregon Pacific Bancorp, Florence, Oregon; Oregon Pacific Bank, Florence, Oregon
- Period: Most recent institution action July 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OR, rank 13 of 34 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 23 loans originated, $14.1M originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Oregon Pacific Banking Co. dba Oregon Pacific Bank
What are Oregon Pacific Banking Co. dba Oregon Pacific Bank's total assets?
As of the Q2 2026 filing, Oregon Pacific Banking Co. dba Oregon Pacific Bank reported total assets of $825.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Oregon Pacific Banking Co. dba Oregon Pacific Bank headquartered?
Oregon Pacific Banking Co. dba Oregon Pacific Bank is headquartered in Florence, OR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Oregon Pacific Banking Co. dba Oregon Pacific Bank founded?
Oregon Pacific Banking Co. dba Oregon Pacific Bank was established in 1979, per the FDIC institution directory.
Is Oregon Pacific Banking Co. dba Oregon Pacific Bank FDIC-insured?
Yes. Oregon Pacific Banking Co. dba Oregon Pacific Bank is an FDIC-insured commercial bank (FDIC Certificate #23007). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oregon Pacific Banking Co. dba Oregon Pacific Bank?
Oregon Pacific Banking Co. dba Oregon Pacific Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Oregon Pacific Banking Co. dba Oregon Pacific Bank's CET1 capital ratio?
Oregon Pacific Banking Co. dba Oregon Pacific Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oregon Pacific Banking Co. dba Oregon Pacific Bank operate?
Oregon Pacific Banking Co. dba Oregon Pacific Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oregon Pacific Banking Co. dba Oregon Pacific Bank's Texas Ratio?
Oregon Pacific Banking Co. dba Oregon Pacific Bank's Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Oregon Pacific Banking Co. dba Oregon Pacific Bank previously called?
The charter now named Oregon Pacific Banking Co. dba Oregon Pacific Bank has also operated as Oregon Pacific Banking Company dba Oregon Pacific Bank (2006), per FDIC structure-change records.
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