BlastPoint's Banking Scorecard
Bank of Eastern Oregon
Heppner, OR
22 branches across OR · WA · ID
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in OR.
- Deposits +4.8% year over year ($814.5M on the books).
- Delinquency rate 1.23%.
- Return on assets 1.90%.
- Efficiency ratio 57.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Eastern Oregon has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.77% above tier average
- + ROA 0.58% above tier average
- + Efficiency Ratio 6.96% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$933.6M
+5.7% YoY
-2.8% QoQ
|
+$547.0M |
$386.6M
+1.2% YoY
|
$5.7B
+22.7% YoY
|
$6.3B
+7.7% YoY
|
Top 2.5% in tier |
| Total Loans ? |
$677.0M
+9.5% YoY
+9.2% QoQ
|
+$418.7M |
$258.3M
+1.7% YoY
|
$4.0B
+22.6% YoY
|
$3.2B
+9.4% YoY
|
Top 3.2% in tier |
| Total Deposits ? |
$814.5M
+4.8% YoY
-4.1% QoQ
|
+$487.8M |
$326.7M
+0.7% YoY
|
$4.6B
+21.5% YoY
|
$4.9B
+7.3% YoY
|
Top 1.4% in tier |
| Return on Assets ? |
1.90%
+2.1% YoY
+14.2% QoQ
|
+0.58% |
1.32%
+10.8% YoY
|
1.08%
+20.6% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
5.75%
-4.0% YoY
+3.8% QoQ
|
+1.77% |
3.99%
+5.0% YoY
|
4.07%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
57.52%
-1.6% YoY
-4.0% QoQ
|
-6.96% |
64.48%
-3.2% YoY
|
67.33%
-5.7% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
1.23%
+251.0% YoY
+1.9% QoQ
|
+0.32% |
0.92%
+15.7% YoY
|
0.89%
+33.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
83.12%
+4.5% YoY
+13.8% QoQ
|
+5.17% |
77.95%
+1.0% YoY
|
79.79%
+0.1% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
26.48%
+1.6% YoY
-6.9% QoQ
|
+4.45% |
22.03%
-0.6% YoY
|
23.65%
+0.1% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.89%
+263.8% YoY
+14.5% QoQ
|
+0.23% |
0.67%
+16.4% YoY
|
0.61%
+33.6% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.59%
+5.5% YoY
+5.4% QoQ
|
-4.32% |
15.91%
+1.4% YoY
|
15.47%
+2.0% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.28%
+38.6% YoY
+196.7% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.29%
-8.1% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.5%
+0.4pp YoY -2.0pp QoQ |
+4.3pp | 22.1% | 23.6% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 7.9% | 2.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.8%
-0.1pp YoY +0.2pp QoQ |
+1.3pp | 11.6% | 11.0% | 12.5% | 68% |
| CRE |
22.2%
-0.4pp YoY -0.7pp QoQ |
-17.3pp | 39.5% | 62.1% | 41.4% | 22% |
| 1-4 Family |
4.3%
0.0pp YoY +0.1pp QoQ |
-28.3pp | 32.6% | 17.1% | 31.3% | 4% |
| Consumer |
0.5%
-0.1pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 1.0% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.9% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+0.6pp YoY +0.6pp QoQ |
-0.6pp | 12.2% | 12.5% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
165
+2 (+1.2%) YoY -3 (-1.8%) QoQ |
+106 | 58 | 526 | 482 | 98% |
| Assets per Employee ($) |
$5.7M
+4.4% YoY -1.0% QoQ |
-$1.9M | $7.5M | $7.4M | $8.8M | 26% |
| Branch Count |
22
0 YoY 0 QoQ |
+17 | 4 | 35 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-1.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 35% |
| Nonaccrual |
1.2%
+0.8pp YoY +1.0pp QoQ |
+0.3pp | 0.9% | 0.9% | 1.0% | 76% |
| Allowance Coverage |
0.82x
-73.9% YoY -9.9% QoQ |
-23.34x | 24.15x | 7.38x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
-0.6pp YoY +1.8pp QoQ |
+5.2pp | 12.2% | 9.1% | 11.6% | 79% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.3% | 1.7% | 3% |
| Net Income ($, YTD) |
$9.0M
+10.0% YoY — QoQ |
+$6.5M | $2.6M | $35.5M | $40.4M | 98% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.