Total Assets
$450M
Total balance-sheet footings
FDIC Cert #57373 · Newport, Oregon · Est. 2002
Oregon Coast Bank - FDIC Bank Health Profile
A community-scale look at Oregon Coast Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $450M
- Total assets
- C
- Health grade · Fair
- 0.88%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Oregon Coast Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.07% Tier 1, 0.88% ROA, 75% efficiency ratio.
- #1,924
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 10.07%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Oregon Coast Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Oregon Coast Bank's composite health score
Tier 1 Capital Ratio (10.07%) 28/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (14.29%) 16/20
Efficiency Ratio (75.21%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$410M
Customer-funded liabilities
Net Loans
$273M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Oregon Coast Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oregon Coast Bank's score of 62/100 falls in the highlighted band.
Oregon Coast Bank'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). Oregon Coast Bank's $450M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.07%
Texas Ratio
14.29%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
11.96%
Efficiency Ratio
75.21%
What the numbers say about Oregon Coast Bank
Oregon Coast Bank is an FDIC-insured institution (Certificate #57373) headquartered in Newport, Oregon, established in 2002. It holds $450M in total assets - 1,924th of 4,313 FDIC-insured banks, $410M in customer deposits, and $273M in net loans. Looking at capital strength, Tier 1 stands at 10.07%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 14.29%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oregon, Oregon Coast Bank ranks 11th of 14 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$24M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Oregon Coast Bank reports a Texas Ratio of 14.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.29% - 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) Oregon Coast Bank (FDIC Cert #57373) - 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% |
| Bank of Eastern OregonHeppner | $960M | A | 1.83% |
| 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% |
Frequently asked questions
What is Oregon Coast Bank's health grade?▼
Oregon Coast Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Oregon Coast Bank?▼
Oregon Coast Bank holds $450M in total assets and $410M in deposits, ranking 1,924th of 4,313 FDIC-insured banks by asset size. It is headquartered in Newport, Oregon.
Is my money safe at Oregon Coast Bank?▼
Yes, deposits at Oregon Coast Bank (Certificate #57373) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Oregon Coast Bank's Tier 1 Capital Ratio?▼
Oregon Coast Bank has a Tier 1 Capital Ratio of 10.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Oregon Coast Bank?▼
Oregon Coast Bank has a Texas Ratio of 14.29%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Oregon Coast Bank?▼
Oregon Coast Bank has an Efficiency Ratio of 75.21%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Oregon Coast Bank's profile as a depositor or analyst.
- Oregon Coast Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Oregon Coast Bank 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.