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Oregon Coast Bank
Newport, OR · FDIC Certificate #57373 · Chartered 07/0
Total assets
$446.29M
Total deposits
$403.96M
Total equity
$40.95M
Net loans
$263.52M
Branches (offices)
7
Net income (YTD)
$2.51M
Rank: #1,919 of 4,213 U.S. banks by assets · #11 of 12 in Oregon. Assets changed -2.5% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 12.73% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 9.18% |
| Tier 1 leverage ratio | 10.43% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 2.65% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 65.2% |
| Real estate loans (share of loans) | 76.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $200.29M | 76.0% | |
| Commercial & industrial | $20.06M | 7.6% | |
| Consumer / individual | $8.05M | 3.1% | |
| Construction & development | $13.65M | 5.2% | |
| Agricultural | $36.67M | 13.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $400.38M | $376.19M | $2.64M | $20.75M |
| Jun 2023 | $437.12M | $363.75M | $2.02M | $22.42M |
| Jun 2024 | $438.14M | $350.93M | $1.04M | $27.29M |
| Jun 2025 | $457.53M | $376.13M | $1.48M | $32.21M |
| Jun 2026 | $446.29M | $403.96M | $2.51M | $40.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oregon | $403.96M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $403.96M.
Similar-sized banks
The Peoples Bank ($446.69M) · Lexicon Bank ($446.24M)
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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