Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 11.0. A current level of 0.5 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability.
Asset Mix:
Comm re (41%), securities (19%), comm loans (9%), home mtgs (7%), cash (6%), home eq lns (1%), other (17%)
States with Branches:
OR
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oregon Pacific Bancorp
Investment Rating
Address
1355 Highway 101
Florence, OR 97439
Florence, OR 97439
Phone Number
(541) 997-7121
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.