BlastPoint's Banking Scorecard

People's Bank of Commerce

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

Medford, OR

11 branches across OR

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

People's Bank of Commerce has 3 strengths but faces 3 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 46.7% in tier
+ ROA 0.18% above tier average
+ Efficiency Ratio 4.25% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 14.4% in tier
- Capital Constraint: Bottom 21.3% in tier
- Credit Risk Growth: Bottom 31.8% in tier

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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 ?	$779.3M -4.1% YoY -1.2% QoQ	+$393.2M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	Top 9.2% in tier
Total Loans ?	$580.5M +3.8% YoY +0.8% QoQ	+$324.8M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	Top 6.6% in tier
Total Deposits ?	$652.7M -5.9% YoY -1.4% QoQ	+$324.8M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	Top 9.5% in tier
Return on Assets ?	1.45% +40.0% YoY +27.4% QoQ	+0.18%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.82% +16.5% YoY +9.8% QoQ	+0.89%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	Top 10.6% in tier
Efficiency Ratio ?	61.04% -8.0% YoY -5.1% QoQ	-4.25%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	1.25% +52.3% YoY +86.7% QoQ	+0.36%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	88.93% +10.3% YoY +2.2% QoQ	+12.30%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	35.56% -1.6% YoY +2.8% QoQ	+13.54%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Top 9.2% in tier
Nonperforming Asset Ratio ?	0.93% +64.8% YoY +90.4% QoQ	+0.29%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	14.92% +9.0% YoY +5.4% QoQ	-0.91%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.14% +9.4% YoY -73.8% QoQ	-0.14%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	71%

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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

#128 of 272 • Top 46.7% 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: 35.56%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.82%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Deposit Outflow

decline

#74 of 506 • Bottom 14.4% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk

#24 of 108 • Bottom 21.3% 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: 88.93%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.92%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#310 of 973 • Bottom 31.8% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 (5 metrics)

178

Total Loans

size

Value: $580.49M

Peer Median: $255.72M

#178 of 2664 Top 6.6% in $100M-$1B

245

Total Assets

size

Value: $779.28M

Peer Median: $386.08M

#245 of 2664 Top 9.2% in $100M-$1B

245

Non-Interest-Bearing Deposit Share

funding

Value: 35.56%

Peer Median: 22.02%

#245 of 2664 Top 9.2% in $100M-$1B

253

Total Deposits

size

Value: $652.73M

Peer Median: $327.97M

#253 of 2664 Top 9.5% in $100M-$1B

283

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.93%

#283 of 2664 Top 10.6% in $100M-$1B

Top Weaknesses (2 metrics)

2089

Nonperforming Asset Ratio

credit_quality

Value: 0.93%

Peer Median: 0.64%

#2089 of 2664 Bottom 21.6% in $100M-$1B

2036

Delinquency Rate

credit_quality

Value: 1.25%

Peer Median: 0.89%

#2036 of 2654 Bottom 23.3% in $100M-$1B