People's Bank of Commerce

Medford, OregonFDIC Cert #34685

STATEEstablished 199811 branches

Holding company: PBCO FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$161M
Investor CRE	$160M
Multifamily	$93.7M
Construction	$35M
1–4 family	$38.9M
C&I	$78M
Agriculture	$20.3M
Other	$269K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$587M

+3.9%y/y

Percentile by value88th percentileby value

FDICLNLSGR

Net loans

$580M

+3.8%y/y

Percentile by value88th percentileby value

FDICLNLSNET

Loans YoY

+3.82%

+430.4%y/y

Percentile by value38th percentileby value

FDICLNLSNET

L/D

88.9%

+10.3%y/y

Percentile by value73rd percentileby value

FDICLNLSNET + DEP

Loans/assets

74.5%

+8.2%y/y

Percentile by value68th percentileby value

FDICLNLSNET + ASSET

RE loans %

86.73%

−0.0%y/y

Percentile by value59th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,013points

+0.9%y/y

Peer standing56th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

27.40%

−0.7%y/y

Percentile by value94th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

27.26%

+4.0%y/y

Percentile by value85th percentileby value

FDICLNRENROT + LNLSGR

C&I %

13.28%

+1.7%y/y

Percentile by value70th percentileby value

FDICLNCI + LNLSGR