BlastPoint's Banking Scorecard
Oregon Coast Bank
Newport, 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 +7.4% year over year ($404.0M on the books).
- Delinquency rate 2.68%.
- Return on assets 1.12%.
- Efficiency ratio 69.81% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oregon Coast Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8.8% in tier
- - Delinquency Rate 1.76% above tier average
- - ROA 0.20% below tier average
- - Net Interest Margin 0.50% below tier average
- - Efficiency Ratio 5.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.3M
-2.5% YoY
-0.2% QoQ
|
+$59.7M |
$386.6M
+1.2% YoY
|
$5.7B
+22.7% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$263.5M
-1.0% YoY
-1.3% QoQ
|
+$5.2M |
$258.3M
+1.7% YoY
|
$4.0B
+22.6% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$404.0M
+7.4% YoY
-0.8% QoQ
|
+$77.2M |
$326.7M
+0.7% YoY
|
$4.6B
+21.5% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.12%
+75.2% YoY
+2.0% QoQ
|
-0.20% |
1.32%
+10.8% YoY
|
1.08%
+20.6% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.49%
+16.5% YoY
-0.6% QoQ
|
-0.50% |
3.99%
+5.0% YoY
|
4.07%
+6.4% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
69.81%
-15.9% YoY
-1.2% QoQ
|
+5.33% |
64.48%
-3.2% YoY
|
67.33%
-5.7% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
2.68%
+55.5% YoY
+32.6% QoQ
|
+1.76% |
0.92%
+15.7% YoY
|
0.89%
+33.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.6% in tier |
| Loan-to-Deposit Ratio ? |
65.23%
-7.8% YoY
-0.5% QoQ
|
-12.72% |
77.95%
+1.0% YoY
|
79.79%
+0.1% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
15.16%
-4.1% YoY
-2.8% QoQ
|
-6.87% |
22.03%
-0.6% YoY
|
23.65%
+0.1% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.58%
+54.3% YoY
+29.1% QoQ
|
+0.91% |
0.67%
+16.4% YoY
|
0.61%
+33.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.0% in tier |
| Tier 1 Capital Ratio ? |
10.43%
+8.8% YoY
-0.1% QoQ
|
-5.48% |
15.91%
+1.4% YoY
|
15.47%
+2.0% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.22%
+23.9% YoY
+96.1% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.29%
-8.1% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
15.2%
-0.6pp YoY -0.4pp QoQ |
-7.0pp | 22.1% | 23.6% | 22.2% | 25% |
| 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 |
7.6%
+0.9pp YoY +0.6pp QoQ |
-3.9pp | 11.6% | 11.0% | 12.5% | 37% |
| CRE |
49.7%
-1.7pp YoY -0.7pp QoQ |
+10.1pp | 39.5% | 62.1% | 41.4% | 69% |
| 1-4 Family |
25.3%
+3.1pp YoY -0.1pp QoQ |
-7.3pp | 32.6% | 17.1% | 31.3% | 41% |
| Consumer |
3.1%
-1.0pp YoY -0.2pp QoQ |
-1.1pp | 4.1% | 1.0% | 5.0% | 60% |
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 |
10.4%
+0.8pp YoY 0.0pp QoQ |
-1.7pp | 12.2% | 12.5% | 12.6% | 39% |
| 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 |
70
-4 (-5.4%) YoY 0 QoQ |
+11 | 58 | 526 | 482 | 71% |
| Assets per Employee ($) |
$6.4M
+3.1% YoY -0.2% QoQ |
-$1.1M | $7.5M | $7.4M | $8.8M | 40% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 35 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
2.7%
+1.1pp YoY +0.7pp QoQ |
+1.7pp | 0.9% | 0.9% | 1.0% | 92% |
| Allowance Coverage |
0.42x
-33.4% YoY -23.5% QoQ |
-23.74x | 24.15x | 7.38x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.4pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+3.2pp YoY 0.0pp QoQ |
+0.5pp | 12.2% | 9.1% | 11.6% | 54% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY +0.1pp QoQ |
+0.3pp | 1.7% | 1.3% | 1.7% | 69% |
| Net Income ($, YTD) |
$2.5M
+69.5% YoY — QoQ |
-$47K | $2.6M | $35.5M | $40.4M | 62% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.