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

Oregon Pacific Bank dba Or Pac

Florence, Oregon · $825M in assets · beside the 9 other Oregon banks between $300M and $1B

The filing

54.9%
CRE / loans
9th of 10
335.2%
CRE / capital
9th of 10
10.6%
Equity / assets
8th of 10

Oregon Pacific Bank dba Or Pac is the second largest of the 10 Oregon banks between $300M and $1B, with $825M in assets at 30 June 2026. Loans are 84.2% of deposits, 6th of 10 against a median of 84.1%, and equity is 10.6% of assets, 8th of 10. Loans grew +3.0% in the year, 5th of 10, and deposits grew 2.7%; the cohort's median loan growth is +2.3%.

Noncurrent loans are 0.39% of the book, 4th of 10 against a median of 0.77%; 1.24% is 30 to 89 days past due, and the allowance covers them 3.4 times. Commercial real estate is 54.9% of loans, 9th of 10 against a median of 42.2%, and 335% of capital, above the 300% screen, with construction at 33% against the 100% screen.

Return on assets is 1.35%, 3rd of 10 against a median of 0.94%, on an efficiency ratio of 64.3%, 4th of 10. Five years ago it was 1.21%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 19.0% of loans).

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%

SBA 7(a), FY2008 to FY2026

Oregon Pacific Bank dba Or Pac is the 72nd largest 7(a) lender into Oregon of 255, with $9M across 25 loans, 0.1% of everything approved in the state (Columbia Bank leads with $706M). 4 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oregon, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lane, OR$6M17th of 841.4%quiet FY2022
Coos, OR$2M10th of 214.0%quiet FY2016
Douglas, OR$1M21st of 361.0%quiet FY2017
Lincoln, OR$200K29th of 360.2%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services5$2M22.7%0.00%1231st of 2,596
Retail trade3$2M17.6%0.00%1291st of 2,589
Construction3$2M17.0%0.00%1030th of 2,063
Transportation & warehousing2$2M16.7%0.01%640th of 1,563
Manufacturing4$994K10.9%0.00%1379th of 2,246
7(a) lenders into Oregon, share of approvals since FY2008255 lenders on record; the ten largest and Oregon Pacific
CB Columbia Bank 11.5% $706M · 2,806 loans UB U.S. Bank, National Association 9.0% $550M · 3,368 loans WF Wells Fargo Bank National Associa… 8.6% $528M · 1,401 loans Bo Banc of California 6.9% $426M · 288 loans LO Live Oak Banking Company 5.6% $344M · 293 loans KN KeyBank National Association 5.5% $338M · 958 loans RL Readycap Lending, LLC 3.5% $212M · 242 loans BB BMO Bank National Association 2.7% $168M · 190 loans CB Celtic Bank Corporation 2.6% $163M · 210 loans EB Enterprise Bank & Trust 2.6% $159M · 142 loans OP Oregon Pacific Banking Company db… 0.1% $9M · 25 loans

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; owner-occupied excluded; bold marks a screen met
Oregon PacificRankCohort median
Total CRE against capital, the 300% screen335%9th of 10232%
Construction against capital, the 100% screen33%9th of 1023%
Construction and land development, share of loans5.4%9th of 104.8%
Non-owner-occupied nonfarm nonresidential, share of loans38.9%10th of 1026.9%
Total CRE, the guidance definition, share of loans54.9%9th of 1042.2%
CRE growth over 36 months, the third prong+14.8%6th of 10+14.7%

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
Oregon PacificCohort median
20212026Change20212026Change
Loans$390M$610M+56%$382M$459M+20%
Deposits$610M$724M+19%$576M$590M+2%
NPA / loans0.39%0.39%-0.00 pts0.29%0.77%+0.48 pts
Efficiency60.4%64.3%+3.9 pts65.8%68.0%+2.1 pts
ROA1.21%1.35%+0.14 pts1.24%0.94%-0.30 pts

This read was prepared for Oregon Pacific Bank dba Or Pac'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 Oregon Pacific Bank dba Or Pac 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.oregonpacificbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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