Side-by-side · Q2 2026 data
Oregon Pacific Banking Company dba Oregon Pacific Bank vs People's Bank of Commerce
Bank
Oregon Pacific Banking Company dba Oregon Pacific Bank
Florence, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Oregon Pacific Banking Company dba Oregon Pacific Bank | People's Bank of Commerce |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 87 (stronger) | 70 |
| Earnings | 74 (stronger) | 73 |
| Funding & liquidity | 61 (stronger) | 48 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 57th | 72nd |
| Total assets | $825.4M | $776.7M |
| Deposits / shares | $723.8M | $618.2M |
| Capital ratio | 11.18% | 15.33% (stronger) |
| Problem loans | 0.39% (stronger) | 0.90% |
| Net charge-offs | 0.08% (stronger) | 0.21% |
| Return on assets | 1.35% (stronger) | 1.34% |
| Loans ÷ deposits | 83.1% (stronger) | 95.9% |
| Uninsured deposits | 29.7% | 29.2% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
People's Bank of Commerce has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Oregon Pacific Banking Company dba Oregon Pacific Bank leads on 4 and People's Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.