# OREGON COAST BANK
NEWPORT, OR · FDIC certificate 57373 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $446.3M | |
| Deposits | $404.0M | |
| Loans and leases | $266.5M | |
| Total equity | $41.0M | |
| Loans / deposits | 65.23% (p19 of band) | 82.04% |
| Liquid assets / assets | 35.62% (p76 of band) | |
| Uninsured deposits / deposits | 24.50% (p44 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.43% (p43 of band) | 10.81% |
| Unrealized securities loss / equity | -18.80% (p24 of band) | -8.10% |
| AOCI / equity | 1.72% (p97 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 3.49% (p27 of band) | 3.91% |
| Efficiency ratio | 69.81% (p73 of band) | |
| Noncurrent loans | 2.65% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 41.52% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 33.33% (p40 of band) | |
| Auto loans | $520,000 (0.20% of loans; DQ 2.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 5 | construction >100% equity | assets shrinking |
| 2023-03 | 3 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 6 | charge-offs p90, construction >100% equity, deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2023-12 | 3 |  | reserve under noncurrent, charge-offs p90, construction >100% equity |
| 2024-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | reserve under noncurrent |  |
| 2024-12 | 3 | construction >100% equity |  |
| 2025-03 | 3 | noncurrent p90 | construction >100% equity |
| 2025-06 | 2 |  | noncurrent p90 |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 2 | noncurrent p90 |  |
| 2026-03 | 1 |  | noncurrent p90 |
| 2026-06 | 2 | noncurrent p90 |  |

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

- 2026-03-21 [Business: Oregon Coast Bank extends footprint, makes promotions - newportnewstimes.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOMWpxQ2JNbFk5QlRkRjNDbDBGalZDdXFzU0FSaEhDbHVzN3p3bFZaaW9lUXZBeGJsNmR1eTEweG9WcU5VZkFtOWQxcTdRdmdRLW9taDRSanBiaGxBWmNDT0xhc2ZBMGJidzBYZXRTclB1dFZDUjZ6MUZrdDljMGtXT3BGRU9rQmVCbUNBdkxKYWR3TGd6RlcwX2xqa0V0TUtVVGlVTUs5T2ZmVklqLVVvWmY5QUJDMjZ1eEFUdTdiMXNJeDJzbzJuSURPdkxIZXZLekFaUWN4WktQOVJXaGFWZzl3Zw?oc=5) · newportnewstimes.com
- 2026-01-30 [Oregon Coast bank robbers steal $50K, set getaway car on fire - statesmanjournal.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTjQtMUkwWEVzbldTZjRHQlNuM21qa3V1MkZjVTBrd0dNZ1BHc1ZKUkcxOHBYQ1pJZVZxN2RSeUJvdGp4S1o4Q0plN2o3NmlPR2VnNWEtc3ZjenVoV01JTDFNY3BBTDBaNmVQWUZLU1Z5LTZpVGwzUkhlVWhJV1lDUVRidWJDQVlIcV9GTEZpVDhHam9BWGpUMk5wMmJrOEYzdW5hMFFsa0RvU0E?oc=5) · statesmanjournal.com
- 2026-01-30 [Armed men make off with $50K in Oregon coast bank robbery; 2 suspects now in custody - OregonLive.com](https://news.google.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?oc=5) · OregonLive.com
- 2026-01-30 [Suspected bank robbers detained after stealing $50K from Oregon coast bank - KGW](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPWWxXeUY3ZGlneGdPYmdkSUV3QzZNYTN4cXJ3cDhTM0otcFI0WGdXQXk1VVdBWlRHMjdKck0ycVBucml2Rzlsc1ZOMnFxNzY0VWpJeHRnRENUaUtJWkdFVWlzV0l4TWUxR0QtNkVreGRmT09TUklWOXFlSjF6YlI1a18wVEt0RWE1ZFh6cEhxdThnMmxvWWJLNDFPeURmeDl5WnRzengtdWZ4WFdOTFFHbVlNVHZsd1AzQXVEX1pvTnpqR0UzakNQTVcxdWluOWNnMGdrU3ZFaXhFUHBJdGVsdw?oc=5) · KGW
- 2022-01-10 [Oregon Coast Bank names Dennis Hawley assistant vice president - The News Guard](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQWFBKcjFxRkNfRFNVUHRpeC1JVWc3M04wSmdMTFktWnF5cmdKamNQdkM4SlNablUzZS1ZTEphZ0d1QUIzb1A2cGZnR3JXS1haNkE3Z0dUemJONkJjTU5OZk5GSGlydEdMTXlhbE1YX0lQN0pUOEZtWWF2ZXRlYkYwRVYyczRvNXpUQ1IxX2VOcW9weEd3QzZiWk95eHM1RGRYUEE0dG5mOHEtZW1XQ1hyd3lEcHAzSzlCbENYamNaM01LRWowZWJUU1BMNHVWTEJfU29vMndpOEUwS0hKN2k0?oc=5) · The News Guard
- 2023-03-15 [Katrina Coleman named Manager of Oregon Coast Bank Tillamook Branch - Tillamook Headlight-Herald](https://news.google.com/rss/articles/CBMi9gFBVV95cUxONDJNdy1rY0w4TXZhZzBST1FFaHVhU25RTWd2QnI1TEtXS1M3c2JyclhQcmRNMzZwakFUZjFQaTlTVzFCVVg2ZUk5QVJ3SU9nMzM3Qm0tV2h0OERLU1BwbFM3WUNYbEczQy10bzNkYnFUXzZsbFNiQ1o3ckhpa1ZMRU1WNmNndW1MOXRGa3daMFdIbklIVW1yWF9TSWRodFhTc3czc04tYUdaU3hKZDd5eGZzWmxiUFJ3angyanY4Y2JlcWdhMUx3UWJraGxJZ2hScWRCWUt4cllwUk51YVF5R1hhbVJQS181VzZ0VHE2WUJMcE5oN2c?oc=5) · Tillamook Headlight-Herald
- 2021-09-15 [Oregon Coast Bank announces new president/CEO - newportnewstimes.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQNk9YRjZNdGF2YS1kM0YzOF9zSndlYWdCYXE1R09qbW1obC04WHdSLXZxMV9XemxQVk1RVldxaFVOeFJjaWFjZllEQnhERUgzbXlVUVBQb2tJcXJpblhjMzBZd0FQVENFMUsxUWFUamVJeEhuSUdkSHBiS1ByQndTekFvRlpfZ1J4MEs2ZVZxZVRqcDhCRHJ3MGg5WFNCUVk1YUtJUWtsRFRXOEdHcjB2SUs0SUUxUHY4RFltZlhIUnhoa2l2aDJ0Y0hlVkZPT3FZYnZz?oc=5) · newportnewstimes.com
- 2023-09-11 [Business: Shepro appointed OCB CEO - The News Guard](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQaGF4Zl9NMm43S21TQ2EzUmFiWnZhZFE3eWFjSGtqMTg3N3YyN3R4aHNwZnRhNEcyT29OVFFHYXdTYlpDY01iMGNVeHAzb3liSzlwa2w2Vlo3Qmw5eUI1WVJRaDNQdlh0aGNjbjB4Y0twbXgwSE0wZ0lzWlo2cHJxQUlKYklaeENsRzFvbWxvNGtkLWN6eXpJVzBSTnA2NUFRSGRlTDhMNWVzYnk1c0JqTEhOa2FRNzZk?oc=5) · The News Guard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57373 (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/29.json (key "57373", 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