FDIC Cert #23007 · Florence, Oregon · Est. 1979

Oregon Pacific Banking Company dba Oregon Pacific Bank - FDIC Bank Health Profile

A community-scale look at Oregon Pacific Banking Company dba Oregon Pacific Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$812M
Total assets
A
Health grade · Excellent
1.16%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

Oregon Pacific Banking Company dba Oregon Pacific Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.69% Tier 1, profitable at 1.16% ROA, 66% efficiency ratio.

#1,253
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
14.69%
Tier 1 ratio - above the 10% well-capitalized line
54th
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 23007 · OR A · 83/100

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

  • GRADE-A A (83/100)
  • MID-PACK #1592/4307
  • PHOTO-FINISH Alpine Bank · CO
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Alpine Bank, CO (±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 Oregon Pacific Banking Company dba Or…

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

Morgan Stanley Bank,… · UT ·…100/100Alpine Bank · CO · near83/100American Bank, Natio… · TX ·…83/100Bank Star · MO · near83/100Farmers and Miners B… · VA ·…83/100Oregon Pacific Banki… · OR ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Oregon Pacific Banking Company dba Or… · July 2026

What Oregon Pacific Banking Company dba Or…'s Call Report plate shows

Oregon Pacific Banking Company dba Oregon Pacific Bank (FDIC Cert #23007) carries a PlainBankData health grade of A at 83/100, 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 #1,592 of 4,307. Tier 1 capital prints at 14.69%, clearing the 10% well-capitalized line. The Texas Ratio is 2.73%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $812M, 1,253rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Alpine Bank (CO), 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 Oregon Pacific Banking Company dba Or…

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

Oregon Pacific Banking Company dba Oregon Pacific Bank'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; Oregon Pacific Banking Company dba Oregon Pacific Bank 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 Oregon Pacific Banking Company dba Oregon Pacific Bank's 83/100 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 avg77/10083/100
Oregon Pacific Banking Company dba Oregon Pacific Bank's composite health score
Tier 1 Capital Ratio (14.69%) 35/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (2.73%) 20/20
Efficiency Ratio (65.59%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$812M

Total balance-sheet footings

Total Deposits

$709M

Customer-funded liabilities

Net Loans

$591M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.29% 14.69% 16.09%
Basel III capital ratios - Oregon Pacific Banking Company dba Oregon Pacific Bank

Where Oregon Pacific Banking Company dba Oregon Pacific Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oregon Pacific Banking Company dba Oregon Pacific Bank's score of 83/100 falls in the highlighted band.

Oregon Pacific Banking Company dba Oregon Pacific Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 37% higher than 63% 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. Oregon Pacific Banking Company dba Or… 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

Oregon Pacific Banking Company dba Oregon Pacific 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 Pacific Banking Company dba Oregon Pacific Bank's $812M falls in the highlighted band.

Safety ratios for Oregon Pacific Banking Company dba Or…

Tier 1 capital ratio
Well-capitalized 10%

14.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.69%
Texas Ratio
2.73%
Equity Capital
$88M

What these ratios mean →

Earnings posture at Oregon Pacific Banking Company dba Or…

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
10.98%
Efficiency Ratio
65.59%

What these mean →

Income & expense at Oregon Pacific Banking Company dba Or…

$40M
Interest Income
$9M
Non-Interest Income
$26M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Oregon Pacific Banking Company dba Oregon Pacific Bank reports a Texas Ratio of 2.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Oregon Pacific Banking Company dba Oregon Pacific Bank 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 ($812M here), outside Oregon so the neighborhood is not state containment.

Freedom Bank $812M · NJ CUSB Bank $811M · IA Millennium Bank $811M · IL First State Bank of Middlebury $813M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oregon Pacific Banking Company dba Oregon Pacific Bank (FDIC Cert #23007) - 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.

Oregon Pacific Banking Company dba Oregon Pacific Bank 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%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
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%