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BDI
BE

Bank of Eastern Oregon

Heppner, OregonFDIC Cert #16243

STATEEstablished 194522 branches

Holding company: BEO BCORPRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.66%
−8.4%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC + ROA
ROE
15.54%
−13.1%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC + ROE
Pretax ROA
2.21%
−8.6%y/y
Peer standing84th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC + ASSET
NIM
5.54%
−4.9%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NIMY
Earning yield
6.14%
−4.3%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICINTINCY
IB deposit cost
0.88%
+6.7%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
59.93%
+2.5%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.35%
−3.0%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONIX + ASSET
Fee share
6.72%
−3.4%y/y
Percentile by value22nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII + NIM
Assets YoY
+7.00%
+26.3%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits YoY
+6.43%
+40.6%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Loans YoY
+4.09%
−65.9%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
74th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDICNETINC + ROE
66th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDICNIM + NIMY
98th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDICNONIX + NIM + NONII + EEFFR
54th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDICDEP
65th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDICLNLSNET
39th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
76th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDICRBC1AAJ
58th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.81%Median 10.57%90th 14.35%Observations 1,278

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
99th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 48%Median 174%90th 319%Observations 754

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.