BlastPoint's Banking Scorecard
Bank of Eastern Oregon
Community
Specialty: Agricultural
OR
FDIC cert 16243
Heppner, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Bank of Eastern Oregon has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 30% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$960.4M
+10.7% YoY
+5.5% QoQ
|
-$431.1M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$612.6M
+5.6% YoY
+0.2% QoQ
|
-$362.8M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$849.9M
+10.1% YoY
+5.8% QoQ
|
-$314.7M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.83%
-8.6% YoY
+2.3% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.96%
-4.9% YoY
-0.5% QoQ
|
+2.29% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
58.71%
+4.8% YoY
-2.0% QoQ
|
-3.92% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.52%
+42.0% YoY
+17.1% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
72.08%
-4.1% YoY
-5.3% QoQ
|
-10.98% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
29.45%
+4.1% YoY
+9.5% QoQ
|
+8.40% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.33%
+35.6% YoY
+11.2% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.39%
-12.2% YoY
+29.4% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#46 of 150 · Top 30% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
29.45%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.96%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Credit Risk Growth
risk
#177 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Net Interest Margin
Current: 5.96% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.45% · Tier avg: 21.05%
62
62th pctile
Efficiency Ratio
Current: 58.71% · Tier avg: 62.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
51
51th pctile
Total Deposits
Current: $849.9M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $960.4M · Tier avg: $1.4B
46
46th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
42
42th pctile
Total Loans
Current: $612.6M · Tier avg: $975.5M
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.08% · Tier avg: 83.06%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.08% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
42
42th pctile
Total Loans
Current: $612.6M · Tier avg: $975.5M
46
46th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
47
47th pctile
Total Assets
Current: $960.4M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $849.9M · Tier avg: $1.2B
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
62
62th pctile
Efficiency Ratio
Current: 58.71% · Tier avg: 62.63%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.45% · Tier avg: 21.05%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
98
98th pctile
Net Interest Margin
Current: 5.96% · Tier avg: 3.66%