TellerScore

Headquartered in Medford, Oregon, People's Bank of Commerce is a state-chartered bank with $776.7M in total assets and $618.2M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1998.

Based on its Q2 2026 filing, People's Bank of Commerce scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 5th. Its strongest component is capital cushion (100/100; 15.33%), and its lowest is funding & liquidity (48/100; 96% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.33%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings73/100
Return on assets (annualized): 1.34%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 95.9% · 29.2% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.44%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202481
Q1 202575
Q2 202578
Q3 202577
Q4 202578
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%10.16%15.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.22%
Q3 202413.35%
Q4 202413.56%
Q1 202513.69%
Q2 202513.84%
Q3 202514.06%
Q4 202514.16%
Q1 202614.92%
Q2 202615.33%
Noncurrent loans
0.17%0.70%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.39%
Q4 20240.17%
Q1 20250.81%
Q2 20250.59%
Q3 20250.71%
Q4 20250.66%
Q1 20261.23%
Q2 20260.90%
Return on assets
0.93%1.19%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.97%
Q4 20241.09%
Q1 20251.03%
Q2 20251.06%
Q3 20251.07%
Q4 20251.14%
Q1 20261.45%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$776.7M15.33%0.90%1.34%95.9%
Q1 202677$779.3M14.92%1.23%1.45%88.9%
Q4 202578$788.7M14.16%0.66%1.14%87.0%
Q3 202577$810.4M14.06%0.71%1.07%83.1%
Q2 202578$811.1M13.84%0.59%1.06%81.7%
Q1 202575$812.3M13.69%0.81%1.03%80.6%
Q4 202481$798.7M13.56%0.17%1.09%80.9%
Q3 202477$787.2M13.35%0.39%0.97%83.1%
Q2 202478$788.4M13.22%0.19%0.93%84.9%

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 ratio15.33%
88th
Total risk-based capital0.00%
24th
Problem loans0.90%
31st
Net charge-offs0.21%
12th
Return on assets1.34%
55th
Net interest margin4.90%
90th
Efficiency ratio61.8%
52nd
Loans to deposits95.9%
15th
Uninsured deposits29.2%
31st
Loan-loss reserves1.08%
36th
Texas ratio4.4%
39th

Similar-size banks in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%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
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs

Deposit insurance

Is my money safe at People's Bank of Commerce?

Yes. People's Bank of Commerce is an FDIC-insured institution (FDIC certificate #34685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($180.5M) 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 15.33%, 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%).

Check how much of your own balance is covered

11 locations

Branches

People's Bank of Commerce lists 11 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
People's Bank of Commerce
Former names
Peoples Bank of Commerce
Type
State-chartered bank
FDIC certificate #
34685
RSSD ID
2661861
Primary regulator
FDIC
Holding company
Pbco Financial Corp
Established
March 2, 1998
Headquarters
1528 Biddle Rd, Medford, OR 97504
Employees
138

Quick answers

People's Bank of Commerce: common questions

Is People's Bank of Commerce FDIC insured?

Yes. People's Bank of Commerce is an FDIC-insured institution (FDIC certificate #34685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is People's Bank of Commerce's TellerScore?

78 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 People's Bank of Commerce ever failed?

There is no failure record for FDIC certificate #34685 in the FDIC failed bank list.

How many branches does People's Bank of Commerce have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Medford

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Evergreen Federal BankBank Grants Pass, OR75 out of 100, Strong$621.6M13.2%0.63%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs