BlastPoint's Banking Scorecard

Bank of Eastern Oregon

$100M-$1B Specialty: Agricultural OR FDIC cert 16243

Heppner, OR

22 branches across OR · WA · ID

2664 banks in the $100M-$1B peer group nationally 11 in OR

Bank of Eastern Oregon has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 57.0% in tier
+ ROA 0.39% above tier average
+ Efficiency Ratio 5.36% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.32% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$960.3M +7.0% YoY -0.0% QoQ	+$574.2M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	Top 1.2% in tier
Total Loans ?	$620.2M +4.1% YoY +1.2% QoQ	+$364.4M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	Top 5.2% in tier
Total Deposits ?	$849.0M +6.4% YoY -0.1% QoQ	+$521.0M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	Top 0.7% in tier
Return on Assets ?	1.66% -8.4% YoY -9.3% QoQ	+0.39%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	5.54% -4.9% YoY -7.0% QoQ	+1.61%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	Top 2.7% in tier
Efficiency Ratio ?	59.93% +2.5% YoY +2.1% QoQ	-5.36%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	1.21% +195.2% YoY +134.8% QoQ	+0.32%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	73.05% -2.2% YoY +1.3% QoQ	-3.59%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	28.44% +9.1% YoY -3.4% QoQ	+6.42%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.78% +187.2% YoY +137.7% QoQ	+0.14%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	11.00% +3.8% YoY +2.8% QoQ	-4.83%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.09% -7.0% YoY -75.9% QoQ	-0.19%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#156 of 272 • Top 57.0% in tier

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: 28.44%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.54%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $849.01M

Peer Median: $327.97M

#19 of 2664 Top 0.7% in $100M-$1B

Total Assets

size

Value: $960.33M

Peer Median: $386.08M

#32 of 2664 Top 1.2% in $100M-$1B

Net Interest Margin

profitability

Value: 5.54%

Peer Median: 3.93%

#73 of 2664 Top 2.7% in $100M-$1B

139

Total Loans

size

Value: $620.16M

Peer Median: $255.72M

#139 of 2664 Top 5.2% in $100M-$1B

593

Non-Interest-Bearing Deposit Share

funding

Value: 28.44%

Peer Median: 22.02%

#593 of 2664 Top 22.2% in $100M-$1B

648

Return on Assets

profitability

Value: 1.66%

Peer Median: 1.27%

#648 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2060

Tier 1 Capital Ratio

capital

Value: 11.00%

Peer Median: 15.83%

#2060 of 2664 Bottom 22.7% in $100M-$1B

2019

Delinquency Rate

credit_quality

Value: 1.21%

Peer Median: 0.89%

#2019 of 2654 Bottom 24.0% in $100M-$1B