1.10%
+255.3%y/y
Peer standing37th percentile
FDIC
NETINC + ROAOC
Oregon Coast Bank
Newport, OregonFDIC Cert #57373
STATEEstablished 20027 branches
Holding company: OREGON COAST BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, 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.
12.76%
+171.3%y/y
Peer standing50th percentile
FDIC
NETINC + ROE1.10%
+255.3%y/y
Peer standing26th percentile
FDIC
PTAXNETINC + ASSET3.51%
+22.3%y/y
Peer standing28th percentile
FDIC
NIM + NIMY5.44%
+3.2%y/y
Peer standing39th percentile
FDIC
INTINCY2.36%
−29.0%y/y
Peer standing55th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
70.63%
−19.0%y/y
Peer standing23rd percentile
FDIC
NONIX + NIM + NONII + EEFFR2.64%
−0.1%y/y
Peer standing43rd percentile
FDIC
NONIX + ASSET12.13%
+1.5%y/y
Percentile by value59th percentileby value
FDIC
NONII + NIM−4.56%
−196.1%y/y
Percentile by value4th percentileby value
FDIC
ASSET+7.75%
+59.6%y/y
Percentile by value73rd percentileby value
FDIC
DEP+2.29%
−81.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.10%37th 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
FDIC
NETINC + ROE12.76%49th 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
FDIC
NIM + NIMY3.51%28th 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
FDIC
NONIX + NIM + NONII + EEFFR70.63%23rd 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
FDIC
DEP+7.75%72nd 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
FDIC
LNLSNET+2.29%29th 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 %
FDIC
P9ASSET + NAASSET + LNLSGR2.00%88th 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
FDIC
RBC1AAJ10.44%47th 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
FDIC
EINTEXP + DEPIDOM2.36%55th 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
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle 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.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.10%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 1.19%90th 1.66%Observations 11
ROE
FDIC
NETINC + ROE12.76%66th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.41%Median 10.04%90th 15.54%Observations 11
NIM
FDIC
NIM + NIMY3.51%20th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.50%Median 4.00%90th 4.82%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.63%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.37%Median 66.00%90th 89.29%Observations 11
Deposits YoY
FDIC
DEP+7.75%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.80%Median +2.84%90th +23.79%Observations 11
Loans YoY
FDIC
LNLSNET+2.29%41st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.72%Median +2.62%90th +5.39%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.00%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.64%90th 2.00%Observations 11
Leverage
FDIC
RBC1AAJ10.44%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.72%Median 11.38%90th 15.11%Observations 11
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
FDIC
EINTEXP + DEPIDOM2.36%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.06%Median 2.06%90th 2.42%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 124%Median 289%90th 318%Observations 5
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.