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

Peoples Bank of Commerce

Medford, Oregon · $777M in assets · beside the 9 other Oregon banks between $300M and $1B

The filing

97.0%
Loans / deposits
10th of 10
+5.4%
Loans, year over year
2nd of 10, largest first
14.9%
Equity / assets
3rd of 10

Peoples Bank of Commerce is the fourth largest of the 10 Oregon banks between $300M and $1B, with $777M in assets at 30 June 2026. Loans are 97.0% of deposits, the highest in the cohort against a median of 84.1%, and equity is 14.9% of assets, 3rd of 10. Loans grew +5.4% in the year, 2nd of 10, and deposits fell 10.2%; the cohort's median loan growth is +2.3%.

Noncurrent loans are 0.90% of the book, 6th of 10 against a median of 0.77%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.20% of loans, the highest in the cohort. Commercial real estate is 46.6% of loans, 7th of 10 against a median of 42.2%, and 235% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 1.34%, 4th of 10 against a median of 0.94%, on an efficiency ratio of 61.9%, 3rd of 10. Five years ago it was 1.44%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsOR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 84.1% CB Citizens Bank 55.5% OC Oregon Coast Bank 66.0% PW Pacific West Bank 69.7% FF First Federal Savings & Loan Association of Mcminnville 73.7% Bo Bank of Eastern Oregon 84.0% OP Oregon Pacific Bank dba Or Pac 84.2% WV Willamette Valley Bank 84.5% PT Pioneer Trust Bank N.A. 85.5% EF Evergreen Federal Bank 91.7% PB Peoples Bank of Commerce 97.0%
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

Peoples Bank of Commerce is the 25th largest 7(a) lender into Oregon of 255, with $52M across 367 loans, 0.8% of everything approved in the state (Columbia Bank leads with $706M). 12 of its 16 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
Jackson, OR$39M1st of 7811.5%-2.5 pts
Josephine, OR$3M5th of 335.8%+3.2 pts
Multnomah, OR$3M54th of 1400.2%thin
Polk, OR$2M11th of 333.6%thin
Deschutes, OR$2M38th of 820.4%quiet FY2021
Klamath, OR$866K20th of 401.4%quiet FY2018
Marion, OR$649K53rd of 860.2%quiet FY2014
Hood River, OR$590K15th of 211.5%quiet FY2009
Benton, WA$428K57th of 710.2%quiet FY2013
Coos, OR$350K16th of 210.7%quiet FY2013
Douglas, OR$338K31st of 360.3%quiet FY2020
Benton, OR$214K35th of 430.3%quiet FY2012
Sutter, CA$150K51st of 540.1%quiet FY2013
3 smaller markets not shown.
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 services63$13M25.6%0.02%492nd of 2,596
Manufacturing66$10M20.0%0.03%448th of 2,246
Retail trade76$9M18.1%0.02%498th of 2,589
Construction66$5M9.6%0.02%564th of 2,063
Transportation & warehousing7$4M7.1%0.03%384th of 1,563
7(a) lenders into Oregon, share of approvals since FY2008255 lenders on record; the ten largest and Peoples Bank of Commerce
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 PB Peoples Bank of Commerce 0.8% $52M · 367 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, Peoples Bank of Commerce among them; owner-occupied excluded; bold marks a screen met
Peoples Bank of CommerceRankCohort median
Total CRE against capital, the 300% screen235%6th of 10232%
Construction against capital, the 100% screen27%7th of 1023%
Construction and land development, share of loans5.4%7th of 104.8%
Non-owner-occupied nonfarm nonresidential, share of loans25.7%5th of 1026.9%
Total CRE, the guidance definition, share of loans46.6%7th of 1042.2%
CRE growth over 36 months, the third prong+22.4%7th 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
Peoples Bank of CommerceCohort median
20212026Change20212026Change
Loans$499M$599M+20%$382M$459M+20%
Deposits$713M$618M-13%$576M$590M+2%
NPA / loans0.15%0.90%+0.75 pts0.29%0.77%+0.48 pts
Efficiency67.3%61.9%-5.4 pts65.8%68.0%+2.1 pts
ROA1.44%1.34%-0.11 pts1.24%0.94%-0.30 pts

This read was prepared for Peoples Bank of Commerce'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 Peoples Bank of Commerce 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.peoplesbank.bank

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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