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Overview / Commentary
541-265-9000
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 3,316st largest bank in the nation. It was established in 2002 and as of December of 2013, it had grown to 43 employees at 5 locations. Oregon Coast Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Oregon Coast Bank had $940,000 in non-current loans and owned real-estate with $21.2 million in equity and loan loss allowances on hand to cover it. This gives Oregon Coast Bank a Texas Ratio of 4.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Oregon Coast Bank decreased dramatically from 16.51% as of December 31, 2012 to 4.43% as of December 31, 2013, resulting in a positive change of 73.15%.This indicates that the balance sheet and financial strength for Oregon Coast Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Oregon Coast Bank has decreased its total deposits by -$6.18 million, resulting in -3.9% 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 below average.

Capitalization

GRADE:
A

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 $177.12 million in assets with $21.2 million in equity, resulting in a capitalization level of 11.97%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57373
Year Established2002
Employees43
Primary RegulatorFDIC
Assets and Liabilities
Assets$177.12 million
Loans$76.83 million
Deposits$152.18 million
Equity Capital$19.88 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$83,000
Real Estate Owned$857,000
Historic Data - December 2012
Assets$178.36 million
Equity Capital$19.46 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$83,000
Real Estate Owned$1.25 million
Profit Margin - Quarterly
Net Interest Margin4.1%
Return on Assets1.49%
Return on Equity13.53%
Interest Income$7.26 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Oregon Coast Bank, we are a rate comparison website and can not provide official rates or promotions.

Oregon Coast Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Club Account
0.50%--HSA
0.20%--Classic Savings

Oregon Coast Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Savings

Oregon Coast Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Premier Interest Checking
0.10%--Interest Checking

Oregon Coast Bank CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


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