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Bank Of Eastern Oregon
Heppner, OR · FDIC Certificate #16243 · Chartered 03/0
Total assets
$933.60M
Total deposits
$814.50M
Total equity
$106.55M
Net loans
$677.04M
Branches (offices)
22
Net income (YTD)
$9.04M
Rank: #1,111 of 4,213 U.S. banks by assets · #3 of 12 in Oregon. Assets changed 5.7% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 17.38% |
| Net interest margin (YTD) | 5.75% |
| Equity to assets | 11.41% |
| Tier 1 leverage ratio | 11.59% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 1.22% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 83.1% |
| Real estate loans (share of loans) | 52.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $354.41M | 52.3% | |
| Commercial & industrial | $86.85M | 12.8% | |
| Consumer / individual | $3.44M | 0.5% | |
| Construction & development | $23.15M | 3.4% | |
| Agricultural | $228.70M | 33.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $835.89M | $770.80M | $3.22M | $61.06M |
| Jun 2023 | $820.16M | $742.31M | $7.03M | $69.68M |
| Jun 2024 | $852.72M | $753.83M | $7.63M | $82.95M |
| Jun 2025 | $883.54M | $777.46M | $8.22M | $95.22M |
| Jun 2026 | $933.60M | $814.50M | $9.04M | $106.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oregon | $674.29M | 16 |
| Washington | $107.40M | 5 |
| Idaho | $32.82M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $814.51M.
Similar-sized banks
Passumpsic Savings Bank ($934.46M) · Franklin Savings Bank ($931.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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