# BANK OF EASTERN OREGON
HEPPNER, OR · FDIC certificate 16243 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $933.6M | |
| Deposits | $814.5M | |
| Loans and leases | $683.9M | |
| Total equity | $106.5M | |
| Loans / deposits | 83.12% (p53 of band) | 82.04% |
| Liquid assets / assets | 23.22% (p45 of band) | |
| Uninsured deposits / deposits | 20.96% (p32 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.50% (p30 of band) | |
| FHLB advances / assets | 0.50% | |
| Tier 1 leverage | 11.59% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -2.66% (p75 of band) | -8.10% |
| AOCI / equity | -1.10% (p20 of band) | |
| ROA (annualized) | 1.90% (p84 of band) | 1.28% |
| Net interest margin | 5.75% (p98 of band) | 3.91% |
| Efficiency ratio | 57.52% (p38 of band) | |
| Noncurrent loans | 1.22% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 81.55% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 21.72% (p27 of band) | |
| Auto loans | $247,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 165 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 1 |  | capital falling, liquid assets <10% |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 4 | liquid assets <10% |  |
| 2015-09 | 4 | capital falling | liquid assets <10% |
| 2015-12 | 4 |  |  |
| 2016-03 | 2 |  | charge-offs p90, capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2019-03 | 2 | capital falling | charge-offs p90 |
| 2019-06 | 2 | noncurrent p90 | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | liquid assets <10% |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 1 |  | noncurrent p90, liquid assets <10% |
| 2020-09 | 3 | capital falling, noncurrent p90 |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | noncurrent p90 |
| 2021-06 | 2 | charge-offs p90 | capital falling |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | reserve under noncurrent |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 1 | deposits shrinking | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-12 [Bank of Eastern Oregon selects chair, vice chair - East Oregonian](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUkxaOV9rNXBGV0pnWDNub0dwdXBTVmJzeVZjZGFIZXp1MFB3ZDJVU0psS21aNm9JZC14WDRqLXA4eWpKQWdoQ3pjbzEyMGJWcGZncU1iejhmUDlqZkpSOVJMMllyYmJYSURKVGJPX2tUTGlmd0tfV2t2SXZJRDVHY2lROVZnTU1pdTd1UXhB?oc=5) · East Oregonian
- 2024-06-25 [Bank of Eastern Oregon Among Nation’s Top Performing Community Banks - Capital Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxQV0pnQjdDZDJScW1sbERhSndkOVNCTmZtZkNTb2JQdXIwOVEyejdjaDdNek1mQ1NkQjFzTlZVaW5zNEptQkhoaTBqOG1VTXBnYlUxVWJpTnhaWVhoS3VXV3h1RDlIYWR0Unh3M3czbVRURzl6cGVUaUZoSUJSVGd1aGZkU0FrT3pCZnVVTmM1a0R2RGt5b0xaTGh3bnR5WldhR3R0ay1Wcw?oc=5) · Capital Press
- 2023-01-25 [Bank of Eastern Oregon Files Official Notice of Data Breach - JD Supra](https://news.google.com/rss/articles/CBMihwFBVV95cUxOSEg0TzIwcVdBVURjLWVsQ3lzYThaRUxwdDRET1U5MGVkNm1IbHVvTE4wSW9pS1lLRmVfUEdpaWJoVlBlaGhyOUY5bGRFTEwxVVJERS04a2g4TVdKZm4zSnY0Q0lNZHRLS21CcXkyZ2NZdWV4empFbEhQQUIyTkoweWNxVXF5VzA?oc=5) · JD Supra
- 2025-12-20 [Bank of Eastern Oregon CEO receives industry honor - East Oregonian](https://news.google.com/rss/articles/CBMikgFBVV95cUxPLUNDbnc0NFZlWWhtdDZFem43RUFWdWcxZEFISFU0VG0zTFpTR2pRNThhOWszd0Zvd3YzTmhxeXVYQjl6OEEtQktCazItVTJsRmtRSjZ2cHVYSGtZRk1JR3JqWmQ2WFg3Ukg5R3o3MTlvQVVkeGxGaGxDTlg1d2xDNndIbnN5bGF4eFVmOEM0ZXIzUQ?oc=5) · East Oregonian
- 2024-10-22 [Bank of Eastern Oregon announces ‘solid’ third quarter - Blue Mountain Eagle](https://news.google.com/rss/articles/CBMimgFBVV95cUxOckNnamx4LTZRekZwZUhpRkp4enU1MjlneENfaVVoUGhNOS1GNWR4ajFFMHJaMmc3QkxXaTFlNmNzYmsxVkhmZGNOSnJ1V21NN0FpNjBQUTJwcnBWUTdpckRpUGlmR3k1NHExVjJ5Q2pWVmVNdEJ3ZzI5b0RBdFQyV2hxeUNmbUZLd0swNVRpMnZEZkh6RVBaamNR?oc=5) · Blue Mountain Eagle
- 2026-02-03 [Burns edges Culver at Heppner tournament - Madras Pioneer](https://news.google.com/rss/articles/CBMihAFBVV95cUxNblJrU2JPa3BhX2pMTnV4VFhaeWRoQVMtYkdvZ25ZblktMU50dU40WDBOR0VTQ09YYkVUblQ1aTRRVjRSU205QXlXWnl5amJyZWFIZVQ1WWZrRlhnQ2N3a3VhbDVMaHh4MFdZVkkzTFI1aTU5azN0Z05BVUNXckJDWTBRZ0Y?oc=5) · Madras Pioneer
- 2023-08-07 [Farmington State Bank, the tiny Eastern Washington bank tied to FTX collapse, will close - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxNVGZMMGJUbzMxQXcwVno2VlN0WW5KaDQ0WXQ2clJDSV9PNDNFSlhKeXlKLW4tVzJWdWhuTUFVa3V4RmRnay1WQkVCYnlJSnEyU2ZVcXVkM3Z3SGhoQmg4ZEc5UlM4cTBPQVBQR2ZSQWF4ckkxaFJ6YTY0WEJiamN5MWk1YU0wNG9jVXd0Z0ZVSUVreXMtY2wxbWkwRFp4dw?oc=5) · The Spokesman-Review
- 2022-03-31 [Withdrawn - oregonbusiness.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE93TnVabEpWZmlucFFFZjg2OC14QzBfNk9MRkFYUERDVEJNbERiU3hJT0J0NUdET1RFalpMTlBDRzJUUTV2bTV6d1Y3TWF4bmllUnhXcTR3?oc=5) · oregonbusiness.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16243 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "16243", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide