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People's Bank of Commerce

$100M-$1B Specialty: Commercial OR FDIC cert 34685

Medford, OR

11 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 -10.2% year over year ($618.2M on the books).
  • Delinquency rate 0.91%.
  • Return on assets 1.34%.
  • Efficiency ratio 61.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.91% 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) →

People's Bank of Commerce has 2 strengths but faces 4 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

  • + Deposit Franchise: Top 33.8% in tier
  • + Efficiency Ratio 2.66% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 26.4% in tier
  • - Credit Risk Growth: Bottom 34.2% in tier
  • - Liquidity Strain: Bottom 38.5% in tier
  • - Capital Constraint: Bottom 48.6% in tier
Get updates when People's Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $776.7M
-4.2% YoY -0.3% QoQ
+$390.1M $386.6M
+1.2% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
Top 9.0% in tier
Total Loans ? $593.0M
+5.3% YoY +2.2% QoQ
+$334.6M $258.3M
+1.7% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
Top 6.4% in tier
Total Deposits ? $618.2M
-10.2% YoY -5.3% QoQ
+$291.5M $326.7M
+0.7% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
Top 10.9% in tier
Return on Assets ? 1.34%
+26.0% YoY -7.7% QoQ
+0.01% 1.32%
+10.8% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.90%
+15.4% YoY +1.6% QoQ
+0.91% 3.99%
+5.0% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
Top 9.9% in tier
Efficiency Ratio ? 61.82%
-5.0% YoY +1.3% QoQ
-2.66% 64.48%
-3.2% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.91%
+52.5% YoY -26.7% QoQ
-0.01% 0.92%
+15.7% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 95.91%
+17.4% YoY +7.8% QoQ
+17.96% 77.95%
+1.0% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 37.08%
+2.0% YoY +4.3% QoQ
+15.05% 22.03%
-0.6% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Top 6.9% in tier
Nonperforming Asset Ratio ? 0.70%
+67.8% YoY -24.9% QoQ
+0.03% 0.67%
+16.4% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 15.33%
+10.7% YoY +2.7% QoQ
-0.58% 15.91%
+1.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.29%
+8.4% YoY +105.7% QoQ
-0.27% 0.57%
+7.6% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
71%

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 37.1%
+0.7pp YoY
+1.5pp QoQ
 +14.9pp 22.1% 23.6% 22.2% 93%
Brokered Deposits 3.6%
-1.7pp YoY
+0.3pp QoQ
 -4.3pp 7.9% 2.9% 8.5% 42%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 15.1%
+2.5pp YoY
+1.6pp QoQ
 +3.5pp 11.6% 11.0% 12.5% 76%
CRE 76.0%
-1.4pp YoY
-1.4pp QoQ
 +36.5pp 39.5% 62.1% 41.4% 96%
1-4 Family 6.4%
-0.8pp YoY
-0.3pp QoQ
 -26.2pp 32.6% 17.1% 31.3% 6%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -3.6pp 4.1% 1.0% 5.0% 15%

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 15.3%
+1.5pp YoY
+0.4pp QoQ
 +3.2pp 12.2% 12.5% 12.6% 88%
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 138
+1 (+0.7%) YoY
+9 (+7.0%) QoQ
 +79 58 526 482 96%
Assets per Employee ($) $5.6M
-4.9% YoY
-6.8% QoQ
 -$1.9M $7.5M $7.4M $8.8M 25%
Branch Count 11
0 YoY
0 QoQ
 +6 4 35 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.9%
+0.3pp YoY
-0.3pp QoQ
 0.0pp 0.9% 0.9% 1.0% 69%
Allowance Coverage 1.19x
-32.8% YoY
+31.4% QoQ
 -22.96x 24.15x 7.38x 20.23x 32%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 9.2%
+1.0pp YoY
-0.9pp QoQ
 -3.0pp 12.2% 9.1% 11.6% 32%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.3% 1.7% 23%
Net Income ($, YTD) $5.2M
+21.9% YoY
— QoQ
 +$2.7M $2.6M $35.5M $40.4M 88%

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
#95 of 278 • Top 33.8% 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: 37.08%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.90%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (4)

Deposit Outflow

decline
#142 of 535 • Bottom 26.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#321 of 936 • Bottom 34.2% 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

Liquidity Strain

risk
#267 of 691 • Bottom 38.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.91%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Constraint

risk
#53 of 107 • Bottom 48.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 95.91%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.33%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

171
Total Loans
size
Value: $592.98M
Peer Median: $258.35M
#171 of 2643 Top 6.4% in $100M-$1B
184
Non-Interest-Bearing Deposit Share
funding
Value: 37.08%
Peer Median: 22.03%
#184 of 2643 Top 6.9% in $100M-$1B
239
Total Assets
size
Value: $776.72M
Peer Median: $386.57M
#239 of 2643 Top 9.0% in $100M-$1B
263
Net Interest Margin
profitability
Value: 4.90%
Peer Median: 3.99%
#263 of 2643 Top 9.9% in $100M-$1B
290
Total Deposits
size
Value: $618.24M
Peer Median: $326.73M
#290 of 2643 Top 10.9% in $100M-$1B

Top Weaknesses (1 metrics)

2245
Loan-to-Deposit Ratio
liquidity
Value: 95.91%
Peer Median: 77.95%
#2245 of 2643 Bottom 15.1% in $100M-$1B
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