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Oregon Pacific Banking Company Dba Oregon Pacific Bank
Florence, OR · FDIC Certificate #23007 · Chartered 12/1
Total assets
$825.43M
Total deposits
$723.76M
Total equity
$87.14M
Net loans
$601.67M
Branches (offices)
7
Net income (YTD)
$5.54M
Rank: #1,223 of 4,213 U.S. banks by assets · #4 of 12 in Oregon. Assets changed 2.5% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 12.70% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 10.56% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 83.1% |
| Real estate loans (share of loans) | 85.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $515.21M | 85.6% | |
| Commercial & industrial | $90.90M | 15.1% | |
| Consumer / individual | $663.00K | 0.1% | |
| Construction & development | $32.87M | 5.5% | |
| Agricultural | $594.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $712.43M | $644.48M | $3.79M | $62.39M |
| Jun 2023 | $752.85M | $679.68M | $5.15M | $67.11M |
| Jun 2024 | $771.72M | $680.41M | $3.89M | $76.36M |
| Jun 2025 | $804.96M | $704.84M | $4.11M | $85.57M |
| Jun 2026 | $825.43M | $723.76M | $5.54M | $87.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oregon | $723.76M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $723.76M.
Similar-sized banks
Premier Bank ($826.50M) · Citizens Bank ($823.40M)
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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