Total Assets
$960M
Total balance-sheet footings
FDIC Cert #16243 · Heppner, Oregon · Est. 1945
Bank of Eastern Oregon - FDIC Bank Health Profile
A community-scale look at Bank of Eastern Oregon's own numbers, pulled straight from its quarterly FDIC Call Report.
- $960M
- Total assets
- A
- Health grade · Excellent
- 1.83%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Eastern Oregon earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.70% Tier 1, profitable at 1.83% ROA, efficient (59% cost ratio).
- #1,081
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 10.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Eastern Oregon's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Eastern Oregon's composite health score
Tier 1 Capital Ratio (10.70%) 28/40
Return on Assets (ROA) (1.83%) 25/25
Texas Ratio (2.91%) 20/20
Efficiency Ratio (58.71%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$850M
Customer-funded liabilities
Net Loans
$613M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Eastern Oregon ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Eastern Oregon's score of 85/100 falls in the highlighted band.
Bank of Eastern Oregon's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Eastern Oregon's $960M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.70%
Texas Ratio
2.91%
Equity Capital
$102M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.83%
Return on Equity (ROE)
17.43%
Efficiency Ratio
58.71%
What the numbers say about Bank of Eastern Oregon
Bank of Eastern Oregon is an FDIC-insured institution (Certificate #16243) headquartered in Heppner, Oregon, established in 1945. It holds $960M in total assets - 1,081st of 4,313 FDIC-insured banks, $850M in customer deposits, and $613M in net loans. Capital-wise, the Tier 1 ratio sits at 10.70%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.91%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Eastern Oregon sits 3rd of 14 banks headquartered in Oregon by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$56M
Interest Income
$4M
Non-Interest Income
$32M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Eastern Oregon reports a Texas Ratio of 2.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oregon by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Eastern Oregon (FDIC Cert #16243) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oregon
All Oregon banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Columbia BankRoseburg | $66.8B | A | 1.00% |
| Summit BankEugene | $1.3B | A | 1.17% |
| Citizens BankCorvallis | $832M | B | 0.31% |
| Oregon Pacific Banking Company dba Oregon Pacific BankFlorence | $812M | A | 1.16% |
| People's Bank of CommerceMedford | $789M | A | 1.14% |
| Pioneer Trust Bank, National AssociationSalem | $735M | A | 2.32% |
| First Federal Savings and Loan Association of McMinnvilleMcminnville | $669M | B | 0.35% |
| Evergreen Federal BankGrants Pass | $617M | B | 0.59% |
Frequently asked questions
What is Bank of Eastern Oregon's health grade?▼
Bank of Eastern Oregon receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Eastern Oregon?▼
Bank of Eastern Oregon holds $960M in total assets and $850M in deposits, ranking 1,081st of 4,313 FDIC-insured banks by asset size. It is headquartered in Heppner, Oregon.
Is my money safe at Bank of Eastern Oregon?▼
Yes, deposits at Bank of Eastern Oregon (Certificate #16243) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Eastern Oregon's Tier 1 Capital Ratio?▼
Bank of Eastern Oregon has a Tier 1 Capital Ratio of 10.70%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Eastern Oregon?▼
Bank of Eastern Oregon has a Texas Ratio of 2.91%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Eastern Oregon?▼
Bank of Eastern Oregon has an Efficiency Ratio of 58.71%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Eastern Oregon's profile as a depositor or analyst.
- Bank of Eastern Oregon's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Eastern Oregon against other Oregon banks before moving funds. Oregon banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.