BlastPoint's Banking Scorecard
Oregon Pacific Banking Company dba Oregon Pacific Bank
Florence, OR
7 branches across OR
Oregon Pacific Banking Company dba Oregon Pacific Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45.5% in tier
- + Net Interest Margin 0.32% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.2% in tier
- - Credit Quality Pressure: Bottom 38.6% in tier
- - Efficiency Ratio 0.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$821.0M
+2.9% YoY
+1.1% QoQ
|
+$434.9M |
$386.1M
+0.5% YoY
|
$5.7B
+33.4% YoY
|
$6.2B
+9.1% YoY
|
Top 7.4% in tier |
| Total Loans ? |
$590.6M
+2.6% YoY
-0.1% QoQ
|
+$334.9M |
$255.7M
+1.1% YoY
|
$4.1B
+32.8% YoY
|
$3.2B
+10.8% YoY
|
Top 6.4% in tier |
| Total Deposits ? |
$718.7M
+2.8% YoY
+1.4% QoQ
|
+$390.7M |
$328.0M
+0.1% YoY
|
$4.7B
+32.1% YoY
|
$4.8B
+8.2% YoY
|
Top 5.7% in tier |
| Return on Assets ? |
1.28%
+31.2% YoY
+10.2% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
1.04%
+38.9% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.25%
+12.1% YoY
+5.6% QoQ
|
+0.32% |
3.93%
+6.0% YoY
|
4.00%
+9.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
66.00%
-10.0% YoY
+0.6% QoQ
|
+0.71% |
65.29%
-4.5% YoY
|
68.69%
-8.8% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.40%
+187.6% YoY
-9.3% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
0.86%
+80.8% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
82.18%
-0.2% YoY
-1.5% QoQ
|
+5.54% |
76.64%
+0.8% YoY
|
77.62%
+0.2% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
+2.6% YoY
+0.9% QoQ
|
+1.06% |
22.02%
-1.0% YoY
|
23.66%
-0.4% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.31%
+205.7% YoY
-9.9% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.62%
+95.5% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
14.65%
-1.3% YoY
-0.3% QoQ
|
-1.18% |
15.83%
+1.5% YoY
|
15.70%
+2.5% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.25%
-6.3% YoY
-76.5% QoQ
|
-0.03% |
0.28%
+9.3% YoY
|
0.15%
-3.7% YoY
|
0.32%
+4.1% YoY
|
Top 9.0% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.