BlastPoint's Banking Scorecard
People's Bank of Commerce
Community
Specialty: Commercial
OR
FDIC cert 34685
Medford, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
People's Bank of Commerce has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 58% in Community
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6% in Community
- - Capital Thin: Bottom 10% in Community
- - Flatlined Growth: Bottom 29% in Community
- - Credit Risk Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$788.7M
-1.2% YoY
-2.7% QoQ
|
-$602.7M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$576.2M
+4.2% YoY
+1.2% QoQ
|
-$399.3M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$662.0M
-3.2% YoY
-3.4% QoQ
|
-$502.6M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.14%
+4.5% YoY
+6.2% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
4.39%
+7.0% YoY
+2.5% QoQ
|
+0.72% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
64.29%
-2.6% YoY
-1.3% QoQ
|
+1.66% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.67%
+291.1% YoY
-7.2% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
87.03%
+7.6% YoY
+4.8% QoQ
|
+3.97% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
34.58%
-8.1% YoY
-4.1% QoQ
|
+13.54% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.49%
+312.7% YoY
-3.5% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
39% |
| 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 ? |
0.55%
+4.2% YoY
+36.6% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#88 of 150 · Top 58% 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:
34.58%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.39%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (4)
Deposit Outflow
decline
#16 of 248 · Bottom 6% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Thin
risk
#43 of 432 · Bottom 10% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#72 of 245 · Bottom 29% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.14%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Credit Risk Growth
risk
#285 of 642 · Bottom 44% 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
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.58% · Tier avg: 21.05%
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
44
44th pctile
Efficiency Ratio
Current: 64.29% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.03% · Tier avg: 83.06%
39
39th pctile
Total Loans
Current: $576.2M · Tier avg: $975.5M
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
35
35th pctile
Total Deposits
Current: $662.0M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $788.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $788.7M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $662.0M · Tier avg: $1.2B
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
39
39th pctile
Total Loans
Current: $576.2M · Tier avg: $975.5M
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.03% · Tier avg: 83.06%
44
44th pctile
Efficiency Ratio
Current: 64.29% · Tier avg: 62.63%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.58% · Tier avg: 21.05%