Oregon

Banks

Oregon's 13 banks hold $73.7B in assets at 30 June 2026. Columbia Bank is the largest at $65.4B, and the five largest hold 94% of the total; 2 institutions are above $1B, holding $66.7B.

Loans grew a median +3.4% in the year to 30 June 2026: 1 institution grew faster than 10% and 2 shrank. The median bank lends 84% of its deposits and holds commercial real estate at 42.4% of loans. Nonperforming loans sit at a median 0.57% of the book, return on assets at 1.07%, and equity at 11.4% of assets.

5 of the 13 are in the catalogue, each read from its own filing beside the banks its size in the state: Columbia Bank, Bank of Eastern Oregon, Oregon Pacific Bank dba Or Pac, Citizens Bank, Peoples Bank of Commerce.

Columbia Bank holds 88.7% of the state's bank assets; the five largest hold 94%, and 2 of the 13 are above $1B.

The curve's distance from the diagonal is the concentration: 94% of the assets in 38% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Multifamily is the largest category at 20.7% of the state's $53.1B in loans, then Nonfarm nonresidential, non-owner-occupied at 16.2% and Commercial & industrial at 15.9%.

Columbia Bank grew fastest at +25.3%; 1 grew faster than 10% and 2 shrank, Willamette Valley Bank the most at -4.2%. The median is +3.4%.

Clackamas County Bank is the most CRE-weighted at 72.4% of loans; 9 of the 13 are above 40%, against a median of 42.4%.

4 of the 13 banks sit above the 300% screen, Pacific West Bank the highest at 348% of capital; the median is 253%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 13 banks sit above the 100% construction screen, Evergreen Federal Bank the highest at 38%; the median is 24%.

0 of the 13 lend more than they hold in deposits, Summit Bank the furthest at 100%; the median is 84%.

Pacific West Bank carries the most nonperforming loans at 2.98% of the book; 4 of the 13 are above 1%, and the median is 0.57%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 13 hold an allowance smaller than their nonperforming loans.

Pioneer Trust Bank N.A. earns the most at 2.58% and Citizens Bank the least at 0.18%; 3 of the 13 earn under 0.50%, and the median is 1.07%.

Pioneer Trust Bank N.A. runs the leanest at 36.0% of revenue in cost; 3 of the 13 spend more than 80 cents of every revenue dollar, and the median is 66.2%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Columbia Bank	$65.4B	+25.3%	41.2%	90%	0.57%	1.25%	12.0%
Summit Bank	$1.3B	+5.3%	42.4%	100%	0.52%	1.34%	11.4%
Bank of Eastern Oregon	$934M	+9.4%	11.9%	84%	1.22%	1.94%	11.4%
Oregon Pacific Bank dba Or Pac	$825M	+3.0%	54.9%	84%	0.39%	1.35%	10.6%
Citizens Bank	$823M	+5.2%	34.3%	55%	0.04%	0.18%	10.6%
Peoples Bank of Commerce	$777M	+5.4%	46.6%	97%	0.90%	1.34%	14.9%
Pioneer Trust Bank N.A.	$713M	+1.1%	35.9%	85%	1.32%	2.58%	15.2%
First Federal Savings & Loan Association of Mcminnville	$679M	+3.4%	25.5%	74%	0.04%	0.48%	10.9%
Evergreen Federal Bank	$622M	+1.4%	42.6%	92%	0.63%	0.81%	13.2%
Willamette Valley Bank	$465M	-4.2%	68.8%	85%	0.22%	0.54%	16.3%
Oregon Coast Bank	$446M	-1.0%	41.8%	66%	2.65%	1.07%	9.2%
Pacific West Bank	$421M	+1.6%	49.1%	70%	2.98%	0.30%	8.6%
Clackamas County Bank	$266M	+3.5%	72.4%	68%	0.00%	0.89%	11.8%

Credit unions

Oregon's 47 credit unions hold $39.6B in assets at 31 March 2026. Onpoint Community is the largest at $9.6B, and the five largest hold 60% of the total; 9 institutions are above $1B, holding $31.9B.

Loans grew a median +0.0% in the year to 31 March 2026: 9 institutions grew faster than 10% and 23 shrank. The median credit union lends 77% of its shares, with member business loans at 0.9% of loans. Delinquent loans sit at a median 0.97% of the book, return on assets at 0.66%, and net worth at 12.8% of assets.

None of the 47 is in the catalogue yet.

Onpoint Community holds 24.3% of the state's credit union assets; the five largest hold 60%, and 9 of the 47 are above $1B.

The curve's distance from the diagonal is the concentration: 60% of the assets in 11% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Radio Cab grew fastest at +36.7%; 9 grew faster than 10% and 23 shrank, Opc the most at -13.3%. The median is +0.0%.

Old West carries the most commercial lending at 67.0% of loans; 17 of the 47 are above 10%, against a median of 0.9%.

2 of the 47 lend more than they hold in shares, Oregon Community the furthest at 110%; the median is 77%.

Machinists - Boilermakers carries the most delinquency at 5.34% of the book; 22 of the 47 are above 1%, and the median is 0.97%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 21 of the 47 hold an allowance smaller than their delinquent loans.

Opc earns the most at 3.06% and Trailhead the least at -1.18%; 18 of the 47 earn under 0.50%, and the median is 0.66%.

Opc runs the leanest at 31.6% of revenue in cost; 18 of the 47 spend more than 80 cents of every revenue dollar, and the median is 75.2%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Onpoint Community	$9.6B	+5.4%	12.1%	77%	0.97%	1.35%	14.5%
Rogue	$4.3B	+18.7%	9.2%	70%	0.76%	1.08%	10.3%
Oregon Community	$3.6B	+0.6%	6.7%	110%	1.33%	1.16%	10.7%
Rivermark Community	$3.2B	-0.2%	14.8%	74%	1.19%	0.61%	10.6%
Selco Community	$3.0B	+1.0%	20.9%	73%	0.46%	0.59%	11.7%
Oregon State	$2.7B	+19.7%	17.1%	81%	0.63%	0.89%	11.5%
Marion and Polk Schools	$1.8B	+16.6%	24.5%	85%	1.20%	1.16%	9.4%
First Community	$1.8B	+13.0%	24.5%	85%	0.05%	1.46%	13.3%
Unitus Community	$1.8B	+0.8%	21.8%	84%	0.40%	0.13%	9.8%
Mid Oregon	$878M	no record	17.0%	97%	0.10%	1.81%	11.4%
Consolidated	$831M	+11.0%	13.4%	75%	0.20%	0.88%	15.0%
Central Willamette	$614M	+5.9%	15.5%	84%	1.23%	0.70%	14.1%
Embold	$596M	-3.7%	20.5%	81%	1.16%	0.15%	10.0%
Cascade Community	$459M	+5.9%	5.1%	70%	0.06%	2.36%	17.4%
Wauna	$400M	+0.3%	18.3%	86%	0.99%	0.33%	9.0%