BlastPoint's Banking Scorecard
Oregon Pacific Banking Company dba Oregon Pacific Bank
Community
Specialty: Commercial
OR
FDIC cert 23007
Florence, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Oregon Pacific Banking Company dba Oregon Pacific Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$811.8M
+4.6% YoY
-3.0% QoQ
|
-$579.6M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$591.4M
+4.8% YoY
+0.8% QoQ
|
-$384.1M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$709.0M
+4.3% YoY
-3.6% QoQ
|
-$455.6M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.16%
+8.2% YoY
+7.7% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.03%
+5.8% YoY
+2.2% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
65.59%
-4.3% YoY
-2.9% QoQ
|
+2.96% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.44%
+212.1% YoY
+387.0% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
83.41%
+0.5% YoY
+4.6% QoQ
|
+0.35% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.89%
+7.5% YoY
-3.1% QoQ
|
+1.84% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.34%
+231.7% YoY
+314.4% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.69%
-1.2% YoY
+0.2% QoQ
|
+4.44% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
1.07%
+4.8% YoY
+39.9% QoQ
|
+0.33% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#212 of 642 · Bottom 33% 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
|
QoQ rank declining
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
88
88th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.74%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 10.24%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.89% · Tier avg: 21.05%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.41% · Tier avg: 83.06%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
40
40th pctile
Total Loans
Current: $591.4M · Tier avg: $975.5M
39
39th pctile
Total Deposits
Current: $709.0M · Tier avg: $1.2B
39
39th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 62.63%
36
36th pctile
Total Assets
Current: $811.8M · Tier avg: $1.4B
Top Weaknesses
36
36th pctile
Total Assets
Current: $811.8M · Tier avg: $1.4B
39
39th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 62.63%
39
39th pctile
Total Deposits
Current: $709.0M · Tier avg: $1.2B
40
40th pctile
Total Loans
Current: $591.4M · Tier avg: $975.5M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.41% · Tier avg: 83.06%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.89% · Tier avg: 21.05%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 10.24%
88
88th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.74%