# PEOPLES BANK OF COMMERCE
MEDFORD, OR · FDIC certificate 34685 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $776.7M | |
| Deposits | $618.2M | |
| Loans and leases | $599.4M | |
| Total equity | $115.6M | |
| Loans / deposits | 95.91% (p83 of band) | 82.04% |
| Liquid assets / assets | 15.25% (p17 of band) | |
| Uninsured deposits / deposits | 29.20% (p63 of band) | 25.97% |
| Brokered deposits | 2.85% | |
| Wholesale funding | 5.90% (p62 of band) | |
| FHLB advances / assets | 3.05% | |
| Tier 1 leverage | 15.33% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -8.47% (p49 of band) | -8.10% |
| AOCI / equity | -0.12% (p65 of band) | |
| ROA (annualized) | 1.34% (p53 of band) | 1.28% |
| Net interest margin | 4.90% (p92 of band) | 3.91% |
| Efficiency ratio | 61.82% (p51 of band) | |
| Noncurrent loans | 0.90% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 119.00% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 27.84% (p34 of band) | |
| Auto loans | $292,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.2% | |
| Employees | 138 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity |  |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2026-06 | 1 |  | reserve under noncurrent |

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

- 2019-04-04 [Peoples Bank of Commerce to merge with First Bank and Trust - hometownsource.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQbTRGU00tSmxoMW5IeEFEYjVoWEpxWkZ6Y2E0UlJyblNsUDQ2c0RvNFJCN2dxQVhQRXhFdUhISHlwVmhzcE15RXhKRmJOdTlaRW4tbHJlQjRQSnUwMXo0UER4RWlScV9xMWNkUDEzVUJCeEJNMGczbTFPeER3RnVhZ2NfeFNVZTFZSUJfd3ZJV2M5RWtHaENHZkZXeUxtblVSd3FFUlRKVHdaWXhza3M0bnNiN3VtYndSeVNXVmR4NmhPRnJLQnVJNUxyNWhJLVJXUktOZDRWX2RrVHA1QzI3SGdOa3o4aWdSTHc3UW41TjhBN1VYMWdqUGlBVV9pRkZhVHlR?oc=5) · hometownsource.com
- 2026-08-05 [People’s Bank of Commerce to Merge With Northrim Bank - kobi5.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNMVhwb19sU0NrVi1aZE8wVGsyN2ZyMzlkeV9TaEQ4azBVejNFQTBNZFJFWFJVNk9WUWN5MXl4OFdlUXg0R1BOSG5SNVk3bjAtdE5XZksxa0Y2TnpPblBJV0lLSVh2RlR1YkFwNUVGRndqS0ZuWVVqRHNjSFpySkRwdTM3emoyMWdiazFr?oc=5) · kobi5.com
- 2020-07-31 [To Significantly Increase Access to Capital for Communities of Color, We Need to Support Black Banks and All CDFIs - Urban Institute](https://news.google.com/rss/articles/CBMiygFBVV95cUxOVGdwVEJLaWduZzkycXFIaEZQUkxaNWY2NEtrMjF1dzBRXzhSQ291dTZRWU90RkR5ZkhuQWRaV2pjQ1hhQXFOVFoxNThadmREdDVYbU40OEh5STE2a0xFRzlUbXVaeXg3a2ttb2pvU1VSSUJQSVhkVV9abHNwOEd6QzZmd0s3YUk3R29YM0FJVF9BOXZzYS1vei1NaW0zWWppNGRlNGRtTTNaYWlCMFZFTVpfZ2F2QUdScTJmdUZjeXNRQXVPUmxYSm9R?oc=5) · Urban Institute
- 2019-06-20 [First Bank & Trust to buy Minnesota banks - SiouxFalls.Business](https://news.google.com/rss/articles/CBMid0FVX3lxTE5fWnV4QnZNa1BIWl8yRElhZ1p1SlFNOE40cEFzbHljN0N4V1VkSTN2OEtyYmZUMkxRNTFHeG1ISHRkTnYySjlKVlJsN1FseENVNzhkS3J5OHJjeWdGQUlnZmNqRlZOTUFEa2M3TkgtQXpjM2xDaWRj?oc=5) · SiouxFalls.Business
- 2025-11-24 [Bridgewater Bank Welcomes Jeff Bajek as SVP, Senior Credit Officer - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZmQ2LVFIZnBmVW9UV2VYUWR0SnFYaE9QU3k5RENJY241QlZXWnFTSnVybEo5OU1pNXBoaFg5TjlpcXZrbkNidGgzaFpMRERzSWhBUVU3X0dVVXlMNzVneFNVU19aRTg2Rl9XU1drZllEZkJUc0xZRjFIbndvX2FxVzFBQ0dVd3lTb3RzQWg2QVYxdldhdG5HRVJQX3hJVmppal9kMHdFV0ZyeUQ2TmZucVRPLUR1ajBWSFFZOUhPRQ?oc=5) · Business Wire
- 2017-08-03 [First Bank & Trust expands into Minnesota with planned acquisition of Duke Financial Group - Argus Leader](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOdDNQZFJmRHduMUdMTVNXTjZCSW9XOUlWMndteWZVSy04OEhNUURuMFZ0VUJ6bUdFcE5LUlJCQ0c3UW5QX2RrUFJqaERqdEdnTlZFamZZM3VKVW92ZUt1azlVN2lJeUhDRVR6NnVnaGdZSTkwZm00RnFUd2puNGFmeFBsbjMzMVdSTmVtelJrb2ozejZFRWxIdDlmekkteWo5OC0wV2NnRWFwNXhiRjZ1cTUxSURua2xxTTNnNnNhZDQtNXVVaGlUUHA4a2tILVAtVkRndVZjOFFFMkZCNTNlby1JR1A?oc=5) · Argus Leader
- 2025-01-15 [Remembering the life of Audrey L. Fredlund - Star Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTE93SzRPQV9RNjVNR2pwVDFMUFkyRU9fRXVWTXRMN3duZUhLMXlvaTQ1eUw4SGdIYjQ1U3JIVHdzYm5saDlMWmo3S0dIZ0lkaC1HbFZyMUJvdEx1RnRycU9OaWx4T1dUemxodnJKUnVVQjRGajZiZ1VnVkZsWDc0dw?oc=5) · Star Tribune
- 2024-03-15 [In Memory of Diane B. Jacobson - Strike Life Tributes](https://news.google.com/rss/articles/CBMifkFVX3lxTFBVbmJ0bDJ6SWpscGYzMEdKa1FwSlloMGxYbWduWG5WWU1zNGp2U1UzaW4xUnowaFBuMHFyTDU1d2tOTW9iNndDYWJjMHZTb3hhWERjTmdsYkU3YnhGZzJjVmN5MUR2bDJ1QnJXN1JQNmJxTUVHWXcxZ011TkFkQQ?oc=5) · Strike Life Tributes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34685 (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/61.json (key "34685", 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