Side-by-side · Q2 2026 data
U.S. Bank National Association 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 | U.S. Bank National Association | Oregon Pacific Banking Company dba Oregon Pacific Bank |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 45 | 62 (stronger) |
| Loan quality | 52 | 87 (stronger) |
| Earnings | 69 | 74 (stronger) |
| Funding & liquidity | 44 | 61 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 6th | 57th |
| Total assets | $705.6B | $825.4M |
| Deposits / shares | $541.9B | $723.8M |
| Capital ratio | 9.49% | 11.18% (stronger) |
| Problem loans | 1.45% | 0.39% (stronger) |
| Net charge-offs | 0.54% | 0.08% (stronger) |
| Return on assets | 1.23% | 1.35% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 83.1% |
| Uninsured deposits | 52.2% | 29.7% (stronger) |
| Offices | 2,076 | 6 |
| CFPB complaints (3 yrs) | 16,488 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | — |
Oregon Pacific Banking Company dba Oregon Pacific Bank has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 1 and Oregon Pacific Banking Company dba Oregon Pacific Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Eugene, OR
- Medford, OR
- Coos Bay, OR
- Florence, OR
- Roseburg, OR
- Tigard, OR