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Overview / Commentary
909 Se Bay Boulevard
Newport, OR 97365

Oregon Coast Bank is headquartered in Newport and is the 14st largest bank in the state of Oregon. It is also the 3,233rd largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 44 employees at 5 locations. Oregon Coast Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Oregon Coast Bank had $1.13 million in non-current loans and owned real-estate with $21.79 million in equity and loan loss allowances on hand to cover it. This gives Oregon Coast Bank a Texas Ratio of 5.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Oregon Coast Bank decreased dramatically from 16.16% as of March 31, 2013 to 5.20% as of March 31, 2014, resulting in a positive change of 67.82%.This indicates that the balance sheet and financial strength for Oregon Coast Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Oregon Coast Bank has increased its total deposits by $7.85 million, resulting in 5.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oregon Coast Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oregon Coast Bank has $185.08 million in assets with $21.79 million in equity, resulting in a capitalization level of 11.77%, which is excellent.

Institution Statistics

FDIC Certificate #57373
Year Established2002
Primary RegulatorFDIC
Assets and Liabilities
Assets$185.08 million
Loans$77.80 million
Deposits$163.80 million
Equity Capital$20.43 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$276,000
Real Estate Owned$857,000
Historic Data - March 2013
Assets$176.94 million
Equity Capital$19.92 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$276,000
Real Estate Owned$3.38 million
Profit Margin - Quarterly
Net Interest Margin4%
Return on Assets1.49%
Return on Equity13.38%
Interest Income$1.77 million

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Oregon Coast Bank Savings Account Rates

0.50%$100-Club Account
0.20%$100-Classic Savings

Oregon Coast Bank Money Market Rates

0.30%$100k-Money Market Savings

Oregon Coast Bank Checking Account Rates

0.20%$100-Premier Interest Checking
0.10%$100-Interest Checking

Oregon Coast Bank CD Rates

1.00%$1k-48 Month CD
0.90%$1k-36 Month CD
0.75%$1k-24 Month CD
0.75%$1k-24 Month Variable CD
0.50%$1k-12 Month CD
0.50%$1k-12 Month Variable CD
0.35%$1k-182 Day CD
0.25%$1k-91 Day CD
0.15%$1k-30 Day CD

Oregon Coast Bank IRA Rates

0.75%$1k-24 Month Fixed IRA
0.75%$1k-24 Month Variable IRA
0.50%$1k-12 Month Fixed IRA
0.50%$1k-12 Month Variable IRA

Oregon Coast Bank Locations
Lincoln City Branch1298 Sw Harbor AveLincoln City, OR 97367
Waldport Branch285 NW Maple StreetWaldport, OR 97394
Toledo Branch305 NW First StToledo, OR 97391
Pacific City Branch35940 Airport WayPacific City, OR 97135
Oregon Coast Bank909 Se Bay BoulevardNewport, OR 97365