BlastPoint's Banking Scorecard

Oregon Pacific Banking Company dba Oregon Pacific Bank

$100M-$1B Specialty: Commercial OR FDIC cert 23007

Florence, OR

7 branches across OR

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 +2.7% year over year ($723.8M on the books).
Delinquency rate 0.39%.
Return on assets 1.35%.
Efficiency ratio 64.34% vs a 64.48% peer average.
Loan-to-deposit ratio 83.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in OR

View $100M-$1B leaderboard (OR) →

Oregon Pacific Banking Company dba Oregon Pacific Bank has 4 strengths but faces 2 concerns

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

+ Revenue Diversifier: Top 45.8% in tier
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 0.14% below tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.2% in tier
- Credit Quality Pressure: Bottom 42.5% in tier

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$825.4M +2.5% YoY +0.5% QoQ	+$438.9M	$386.6M +1.2% YoY	$5.7B +22.7% YoY	$6.3B +7.7% YoY	Top 6.8% in tier
Total Loans ?	$601.7M +3.0% YoY +1.9% QoQ	+$343.3M	$258.3M +1.7% YoY	$4.0B +22.6% YoY	$3.2B +9.4% YoY	Top 6.1% in tier
Total Deposits ?	$723.8M +2.7% YoY +0.7% QoQ	+$397.0M	$326.7M +0.7% YoY	$4.6B +21.5% YoY	$4.9B +7.3% YoY	Top 5.2% in tier
Return on Assets ?	1.35% +30.6% YoY +6.0% QoQ	+0.03%	1.32% +10.8% YoY	1.08% +20.6% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	4.29% +10.8% YoY +0.9% QoQ	+0.30%	3.99% +5.0% YoY	4.07% +6.4% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	64.34% -8.7% YoY -2.5% QoQ	-0.14%	64.48% -3.2% YoY	67.33% -5.7% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.39% +363.7% YoY -1.9% QoQ	-0.53%	0.92% +15.7% YoY	0.89% +33.0% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	83.13% +0.3% YoY +1.2% QoQ	+5.18%	77.95% +1.0% YoY	79.79% +0.1% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	24.05% +1.5% YoY +4.2% QoQ	+2.02%	22.03% -0.6% YoY	23.65% +0.1% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.31% +276.9% YoY -0.6% QoQ	-0.36%	0.67% +16.4% YoY	0.61% +33.6% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	14.42% -2.6% YoY -1.5% QoQ	-1.49%	15.91% +1.4% YoY	15.47% +2.0% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.52% -1.0% YoY +106.5% QoQ	-0.05%	0.57% +7.6% YoY	0.29% -8.1% YoY	0.66% +5.2% YoY	Top 8.8% in tier

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	24.0% +0.4pp YoY +1.0pp QoQ	+1.9pp	22.1%	23.6%	22.2%	62%
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	15.1% +1.8pp YoY +0.8pp QoQ	+3.6pp	11.6%	11.0%	12.5%	76%
CRE	74.8% -1.1pp YoY -0.2pp QoQ	+35.3pp	39.5%	62.1%	41.4%	95%
1-4 Family	10.1% -0.8pp YoY -0.6pp QoQ	-22.5pp	32.6%	17.1%	31.3%	11%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	1.0%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
CET1 Ratio	14.4% -0.4pp YoY -0.2pp QoQ	-4.4pp	18.8%	18.9%	19.7%	44%
Leverage Ratio	11.2% -0.3pp YoY 0.0pp QoQ	-1.0pp	12.2%	12.5%	12.6%	53%
Total Capital Ratio	15.7% -0.4pp YoY -0.2pp QoQ	-4.3pp	19.9%	20.0%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Full-Time Employees	146 0 YoY +2 (+1.4%) QoQ	+87	58	526	482	97%
Assets per Employee ($)	$5.7M +2.5% YoY -0.8% QoQ	-$1.9M	$7.5M	$7.4M	$8.8M	26%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	35	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	38%
Nonaccrual	0.3% +0.3pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.9%	1.0%	42%
Allowance Coverage	3.41x -77.2% YoY +0.3% QoQ	-20.75x	24.15x	7.38x	20.23x	62%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
ROE	12.7% +2.9pp YoY +0.8pp QoQ	+0.5pp	12.2%	9.1%	11.6%	54%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.3%	1.7%	16%
Net Income ($, YTD)	$5.5M +35.0% YoY — QoQ	+$3.0M	$2.6M	$35.5M	$40.4M	90%

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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)

Revenue Diversifier

growth

#304 of 661 • Top 45.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.52%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.35%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (2)

Credit Risk Growth

risk

#199 of 936 • Bottom 21.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#535 of 1256 • Bottom 42.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

138

Total Deposits

size

Value: $723.76M

Peer Median: $326.73M

#138 of 2643 Top 5.2% in $100M-$1B

161

Total Loans

size

Value: $601.67M

Peer Median: $258.35M

#161 of 2643 Top 6.1% in $100M-$1B

181

Total Assets

size

Value: $825.43M

Peer Median: $386.57M

#181 of 2643 Top 6.8% in $100M-$1B

233

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.57%

#233 of 2643 Top 8.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available