Bank of Eastern Oregon (FDIC certificate #16243) is based in Heppner, Oregon. Its Q2 2026 call report shows $933.6M in total assets and $814.5M in deposits and 22 offices across 3 states.
Based on its Q2 2026 filing, Bank of Eastern Oregon scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 9th. Its strongest component is earnings (96/100; 1.90%), and its lowest is loan quality (59/100; 1.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (80 → 73), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.41% |
| Q3 2024 | 10.34% |
| Q4 2024 | 10.37% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.98% |
| Q3 2025 | 11.14% |
| Q4 2025 | 10.70% |
| Q1 2026 | 11.00% |
| Q2 2026 | 11.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.51% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.81% |
| Q4 2024 | 2.01% |
| Q1 2025 | 1.82% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.79% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $933.6M | 11.59% | 1.22% | 1.90% | 83.1% |
| Q1 2026 | 71 | $960.3M | 11.00% | 1.20% | 1.66% | 73.0% |
| Q4 2025 | 78 | $960.4M | 10.70% | 0.51% | 1.83% | 72.1% |
| Q3 2025 | 79 | $910.2M | 11.14% | 0.44% | 1.79% | 76.1% |
| Q2 2025 | 80 | $883.5M | 10.98% | 0.35% | 1.86% | 79.5% |
| Q1 2025 | 79 | $897.5M | 10.59% | 0.41% | 1.82% | 74.7% |
| Q4 2024 | 80 | $867.7M | 10.37% | 0.36% | 2.01% | 75.1% |
| Q3 2024 | 77 | $836.1M | 10.34% | 0.50% | 1.81% | 75.1% |
| Q2 2024 | 77 | $852.7M | 10.41% | 0.49% | 1.79% | 74.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oregon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR | 74 out of 100, Strong | $825.4M | 11.2% | 0.39% | vs |
| Citizens BankBank Corvallis, OR | 78 out of 100, Strong | $823.4M | 13.9% | 0.04% | vs |
| People's Bank of CommerceBank Medford, OR | 78 out of 100, Strong | $776.7M | 15.3% | 0.90% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR | 76 out of 100, Strong | $678.7M | 11.9% | 0.04% | vs |
| Evergreen Federal BankBank Grants Pass, OR | 75 out of 100, Strong | $621.6M | 13.2% | 0.63% | vs |
Deposit insurance
Is my money safe at Bank of Eastern Oregon?
Yes. Bank of Eastern Oregon is an FDIC-insured institution (FDIC certificate #16243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.0% of deposits ($170.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
22 locations
Branches
Bank of Eastern Oregon lists 22 offices in 22 cities across 3 states. Most locations:
- Arlington, OR (1)
- Athena, OR (1)
- Boardman, OR (1)
- Burns, OR (1)
- Caldwell, ID (1)
- Colfax, WA (1)
- Condon, OR (1)
- Dayton, WA (1)
- Enterprise, OR (1)
- Fossil, OR (1)
- Heppner, OR (1)
- Hermiston, OR (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Eastern Oregon reported 20 home-loan applications under HMDA (LEI 549300J0CQITHCF2G618): 18 originated ($3,950,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Eastern Oregon
- Type
- State-chartered bank
- FDIC certificate #
- 16243
- RSSD ID
- 14865
- Primary regulator
- FDIC
- Holding company
- Beo Bcorp
- Established
- March 3, 1945
- Headquarters
- 279 N Main St, Heppner, OR 97836
- Website
- www.beobank.com
- Employees
- 165
Quick answers
Bank of Eastern Oregon: common questions
Is Bank of Eastern Oregon FDIC insured?
Yes. Bank of Eastern Oregon is an FDIC-insured institution (FDIC certificate #16243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Eastern Oregon's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Eastern Oregon ever failed?
There is no failure record for FDIC certificate #16243 in the FDIC failed bank list.
How many branches does Bank of Eastern Oregon have?
22 offices as of the latest FDIC data, in 3 states.