Side-by-side · Q2 2026 data
Citizens Bank vs Oregon Pacific Banking Company dba Oregon Pacific Bank
Bank
Oregon Pacific Banking Company dba Oregon Pacific Bank
Florence, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank | Oregon Pacific Banking Company dba Oregon Pacific Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 89 (stronger) | 62 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 27 | 74 (stronger) |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 72nd | 57th |
| Total assets | $823.4M | $825.4M |
| Deposits / shares | $702.5M | $723.8M |
| Capital ratio | 13.88% (stronger) | 11.18% |
| Problem loans | 0.04% (stronger) | 0.39% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 0.18% | 1.35% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 83.1% |
| Uninsured deposits | 36.3% | 29.7% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Oregon Pacific Banking Company dba Oregon Pacific Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.