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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 16243 · OR A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1335/4307
  • PHOTO-FINISH Bank of Wolcott · IN
  • TIER1-WELL 10.7% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-STRONG 1.83% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Bank of Wolcott, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Eastern Oregon

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Eastern Oregon · OR …85/100Bank of Wolcott · IN · near85/100CCB Community Bank · AL · ne…85/100Clear Lake Bank and… · IA · …85/100Iowa State Bank · IA · near85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Eastern Oregon · July 2026

What Bank of Eastern Oregon's Call Report plate shows

Bank of Eastern Oregon (FDIC Cert #16243) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,335 of 4,307. Tier 1 capital prints at 10.70%, clearing the 10% well-capitalized line. The Texas Ratio is 2.91%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.83%. Balance-sheet scale is $960M, 1,081st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Wolcott (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Eastern Oregon

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Bank of Eastern Oregon's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Eastern Oregon remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

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.

0/100100/100National avg77/10085/100
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 Assets

$960M

Total balance-sheet footings

Total Deposits

$850M

Customer-funded liabilities

Net Loans

$613M

Outstanding loan book

Net Income

$17M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.3% 10.7% 12.1%
Basel III capital ratios - Bank of Eastern Oregon

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Eastern Oregon 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Bank of Eastern Oregon

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

What these ratios mean →

Earnings posture at Bank of Eastern Oregon

Return on Assets (ROA)
87th percentile nationally
1.83%
Return on Equity (ROE)
17.43%
Efficiency Ratio
58.71%

What these mean →

Income & expense at Bank of Eastern Oregon

$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.

FDIC Failed Bank List → View Bank of Eastern Oregon on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($960M here), outside Oregon so the neighborhood is not state containment.

Vision Bank $959M · OK Texas Heritage National Bank $958M · TX Beacon Community Bank $964M · SC Prime Meridian Bank $956M · FL

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.

Bank of Eastern Oregon Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
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%