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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Oregon, the state note

Bank of Eastern Oregon

Heppner, Oregon · $934M in assets · beside the 9 other Oregon banks between $300M and $1B

The filing

11.9%
CRE / loans
1st of 10
+9.4%
Loans, year over year
1st of 10, largest first
75.1%
CRE / capital
1st of 10

Bank of Eastern Oregon is the largest of the 10 Oregon banks between $300M and $1B, with $934M in assets at 30 June 2026. Loans are 84.0% of deposits, 5th of 10 against a median of 84.1%, and equity is 11.4% of assets, 5th of 10. Loans grew +9.4% in the year, the fastest in the cohort, and deposits grew 4.8%; the cohort's median loan growth is +2.3%.

Noncurrent loans are 1.22% of the book, 7th of 10 against a median of 0.77%; 0.14% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 11.9% of loans, the lowest in the cohort against a median of 42.2%, and 75% of capital, below the 300% screen, with construction at 21% against the 100% screen.

Return on assets is 1.94%, 2nd of 10 against a median of 0.94%, on an efficiency ratio of 57.8%, 2nd of 10. Five years ago it was 1.05%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansOR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 42.2% Bo Bank of Eastern Oregon 11.9% FF First Federal Savings & Loan Association of Mcminnville 25.5% CB Citizens Bank 34.3% PT Pioneer Trust Bank N.A. 35.9% OC Oregon Coast Bank 41.8% EF Evergreen Federal Bank 42.6% PB Peoples Bank of Commerce 46.6% PW Pacific West Bank 49.1% OP Oregon Pacific Bank dba Or Pac 54.9% WV Willamette Valley Bank 68.8%
Loans, year over yearOR banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +2.3% Bo Bank of Eastern Oregon +9.4% PB Peoples Bank of Commerce +5.4% CB Citizens Bank +5.2% FF First Federal Savings & Loan Association of Mcminnville +3.4% OP Oregon Pacific Bank dba Or Pac +3.0% PW Pacific West Bank +1.6% EF Evergreen Federal Bank +1.4% PT Pioneer Trust Bank N.A. +1.1% OC Oregon Coast Bank -1.0% WV Willamette Valley Bank -4.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Bank of Eastern Oregon among them; owner-occupied excluded; bold marks a screen met
Bank of Eastern OregonRankCohort median
Total CRE against capital, the 300% screen75%1st of 10232%
Construction against capital, the 100% screen21%4th of 1023%
Construction and land development, share of loans3.4%3rd of 104.8%
Non-owner-occupied nonfarm nonresidential, share of loans6.3%1st of 1026.9%
Total CRE, the guidance definition, share of loans11.9%1st of 1042.2%
CRE growth over 36 months, the third prong+24.9%10th of 10+14.7%
Commercial real estate against capital, the 300% screenOR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 232% Bo Bank of Eastern Oregon 75% CB Citizens Bank 111% FF First Federal Savings & Loan Association of Mcminnville 125% PT Pioneer Trust Bank N.A. 160% OC Oregon Coast Bank 229% PB Peoples Bank of Commerce 235% EF Evergreen Federal Bank 253% WV Willamette Valley Bank 271% OP Oregon Pacific Bank dba Or Pac 335% PW Pacific West Bank 348%
CRE growth over 36 months, the guidance's third prongOR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +14.7% PT Pioneer Trust Bank N.A. +3.5% EF Evergreen Federal Bank +3.6% WV Willamette Valley Bank +9.8% CB Citizens Bank +10.2% FF First Federal Savings & Loan Association of Mcminnville +14.5% OP Oregon Pacific Bank dba Or Pac +14.8% PB Peoples Bank of Commerce +22.4% PW Pacific West Bank +22.8% OC Oregon Coast Bank +24.2% Bo Bank of Eastern Oregon +24.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of Eastern Oregon$934M1.9%57.8%1.22%0.01%1.0%84.0%11.4%
Oregon Pacific Bank dba Or Pac$825M1.3%64.3%0.39%0.07%1.3%84.2%10.6%
Citizens Bank$823M0.2%89.8%0.04%0.00%1.7%55.5%10.6%
Peoples Bank of Commerce$777M1.3%61.9%0.90%0.20%1.1%97.0%14.9%
Pioneer Trust Bank N.A.$713M2.6%36.0%1.32%0.03%1.7%85.5%15.2%
First Federal Savings & Loan Association of Mcminnville$679M0.5%78.2%0.04%0.00%1.0%73.7%10.9%
Evergreen Federal Bank$622M0.8%66.2%0.63%0.05%1.4%91.7%13.2%
Willamette Valley Bank$465M0.5%83.9%0.22%0.00%1.0%84.5%16.3%
Oregon Coast Bank$446M1.1%69.8%2.65%0.00%1.1%66.0%9.2%
Pacific West Bank$421M0.3%86.7%2.98%0.00%1.2%69.7%8.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of Eastern OregonCohort median
20212026Change20212026Change
Loans$504M$684M+36%$382M$459M+20%
Deposits$662M$815M+23%$576M$590M+2%
NPA / loans1.39%1.22%-0.17 pts0.29%0.77%+0.48 pts
Efficiency68.6%57.8%-10.8 pts65.8%68.0%+2.1 pts
ROA1.05%1.94%+0.89 pts1.24%0.94%-0.30 pts

This read was prepared for Bank of Eastern Oregon's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Eastern Oregon is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OR banks $300M to $1B
Institution www.beobank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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