BlastPoint's Banking Scorecard
Oregon Coast Bank
Newport, OR
7 branches across OR
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 3.3% in tier
- - ROA 0.17% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 5.35% above tier average
- - Delinquency Rate 1.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$447.3M
-4.6% YoY
-0.5% QoQ
|
+$61.3M |
$386.1M
+0.5% YoY
|
$5.7B
+33.4% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$266.9M
+2.3% YoY
-2.1% QoQ
|
+$11.2M |
$255.7M
+1.1% YoY
|
$4.1B
+32.8% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$407.2M
+7.7% YoY
-0.7% QoQ
|
+$79.2M |
$328.0M
+0.1% YoY
|
$4.7B
+32.1% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.10%
+255.3% YoY
+25.1% QoQ
|
-0.17% |
1.27%
+12.9% YoY
|
1.04%
+38.9% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.51%
+22.3% YoY
+8.8% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
4.00%
+9.5% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
70.63%
-19.0% YoY
-6.1% QoQ
|
+5.35% |
65.29%
-4.5% YoY
|
68.69%
-8.8% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
2.02%
-8.5% YoY
-6.5% QoQ
|
+1.13% |
0.89%
+18.8% YoY
|
0.86%
+80.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.3% in tier |
| Loan-to-Deposit Ratio ? |
65.56%
-5.1% YoY
-1.5% QoQ
|
-11.08% |
76.64%
+0.8% YoY
|
77.62%
+0.2% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
15.60%
-9.9% YoY
+4.1% QoQ
|
-6.42% |
22.02%
-1.0% YoY
|
23.66%
-0.4% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.23%
-16.7% YoY
-7.9% QoQ
|
+0.59% |
0.64%
+19.7% YoY
|
0.62%
+95.5% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
10.44%
+13.8% YoY
+3.7% QoQ
|
-5.39% |
15.83%
+1.5% YoY
|
15.70%
+2.5% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.11%
+26.4% YoY
-70.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.15%
-3.7% YoY
|
0.32%
+4.1% YoY
|
60% |
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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.