TellerScore

Oregon Pacific Banking Company dba Oregon Pacific Bank is a state-chartered bank (fed member) headquartered in Florence, Oregon, in business for about 47 years. At the end of Q2 2026 it reported $825.4M in total assets and $723.8M in deposits, with 7 offices.

Based on its Q2 2026 filing, Oregon Pacific Banking Company dba Oregon Pacific Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 8th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is funding & liquidity (61/100; 83% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.18%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.39%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 83.1% · 29.7% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.65%

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 2 points (76 → 74), mostly because the earnings component improved by 13 points.

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202475
Q1 202575
Q2 202576
Q3 202575
Q4 202571
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%8.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.82%
Q3 202410.96%
Q4 202411.19%
Q1 202511.40%
Q2 202511.52%
Q3 202510.99%
Q4 202510.96%
Q1 202611.16%
Q2 202611.18%
Noncurrent loans
0.05%0.24%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.14%
Q1 20250.14%
Q2 20250.08%
Q3 20250.09%
Q4 20250.44%
Q1 20260.39%
Q2 20260.39%
Return on assets
0.97%1.16%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.01%
Q4 20241.07%
Q1 20250.97%
Q2 20251.04%
Q3 20251.08%
Q4 20251.16%
Q1 20261.28%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$825.4M11.18%0.39%1.35%83.1%
Q1 202674$821.0M11.16%0.39%1.28%82.2%
Q4 202571$811.8M10.96%0.44%1.16%83.4%
Q3 202575$837.4M10.99%0.09%1.08%79.8%
Q2 202576$805.0M11.52%0.08%1.04%82.9%
Q1 202575$797.5M11.40%0.14%0.97%82.4%
Q4 202475$776.3M11.19%0.14%1.07%83.0%
Q3 202475$795.1M10.96%0.05%1.01%79.9%
Q2 202474$771.7M10.82%0.05%1.01%81.7%

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).

Capital ratio11.18%
53rd
Total risk-based capital15.67%
71st
Problem loans0.39%
51st
Net charge-offs0.08%
23rd
Return on assets1.35%
56th
Net interest margin4.29%
70th
Efficiency ratio64.3%
44th
Loans to deposits83.1%
43rd
Uninsured deposits29.7%
29th
Loan-loss reserves1.32%
65th
Texas ratio2.6%
51st

Similar-size banks in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs
Pioneer Trust Bank, National AssociationBank Salem, OR81 out of 100, Strong$712.5M15.3%1.32%vs
First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR76 out of 100, Strong$678.7M11.9%0.04%vs
Evergreen Federal BankBank Grants Pass, OR75 out of 100, Strong$621.6M13.2%0.63%vs

Deposit insurance

Is my money safe at Oregon Pacific Banking Company dba Oregon Pacific Bank?

Yes. Oregon Pacific Banking Company dba Oregon Pacific Bank is an FDIC-insured institution (FDIC certificate #23007). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($214.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.67% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Oregon Pacific Banking Company dba Oregon Pacific Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oregon Pacific Banking Company dba Oregon Pacific Bank
Former names
Oregon Pacific Banking Company
Type
State-chartered bank (Fed member)
FDIC certificate #
23007
RSSD ID
160360
Primary regulator
FED
Holding company
Oregon Pacific Bcorp
Established
December 17, 1979
Headquarters
1355 Highway 101, Florence, OR 97439
Employees
146

Quick answers

Oregon Pacific Banking Company dba Oregon Pacific Bank: common questions

Is Oregon Pacific Banking Company dba Oregon Pacific Bank FDIC insured?

Yes. Oregon Pacific Banking Company dba Oregon Pacific Bank is an FDIC-insured institution (FDIC certificate #23007). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Oregon Pacific Banking Company dba Oregon Pacific Bank's TellerScore?

74 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 Oregon Pacific Banking Company dba Oregon Pacific Bank ever failed?

There is no failure record for FDIC certificate #23007 in the FDIC failed bank list.

How many branches does Oregon Pacific Banking Company dba Oregon Pacific Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Florence

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs
U.S. Bank National AssociationBank Cincinnati, OH55 out of 100, Moderate$705.6B9.5%1.45%vs