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Overview / Commentary
445 S.E. Main Street
Roseburg, OR 97470

Umpqua Bank is headquartered in Roseburg and is the largest bank in the state of Oregon. It is also the 99th largest bank in the nation. It was established in 1953 and as of March of 2014, it had grown to 2,425 employees at 202 locations. Umpqua Bank has a A+ health rating.

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Reviews (1)

I Love This Bank!

Umpqua Bank is the most accessible, communicative, helpful bank I have ever dealt with. I live in a small town with two banks, neither one of which is Umpqua, so I must drive 30 miles to use them and I still feel it is worth it. The tellers are friendly, helpful and understanding. Dealing with them is a joy, and this is true of all the branches I have dealt with and I must say I have been in at least 25 different branches. On the few occasions I have had a problem, the response time is amazing. These guys truly understand their job and take seriously the fact that this is YOUR money they are dealing with and that it is important to you. I have thought about switching to a local bank for the convenience, but each time I hear some horror story about lost deposits or poor customer service I just smile to myself, get in my car and drive to Umpqua Bank!


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 Umpqua Bank had $71.92 million in non-current loans and owned real-estate with $1.95 billion in equity and loan loss allowances on hand to cover it. This gives Umpqua Bank a Texas Ratio of 3.68% 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 Umpqua Bank decreased slightly from 5.04% as of March 31, 2013 to 3.68% as of March 31, 2014, resulting in a positive change of 26.92%.This indicates that the balance sheet and financial strength for Umpqua Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Umpqua Bank has increased its total deposits by $184.2 million, resulting in 2.01% 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 Umpqua Bank has shown is above average.



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. Umpqua Bank has $11.83 billion in assets with $1.95 billion in equity, resulting in a capitalization level of 16.51%, which is excellent.

Institution Statistics

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Assets and Liabilities
Assets$11.83 billion
Loans$7.74 billion
Deposits$9.35 billion
Equity Capital$1.86 billion
Loan Loss Allowance$96.98 million
Unbacked Noncurrent Loans$53.50 million
Real Estate Owned$18.43 million
Historic Data - March 2013
Assets$11.49 billion
Equity Capital$1.84 billion
Loan Loss Allowance$102.91 million
Unbacked Noncurrent Loans$53.50 million
Real Estate Owned$15.06 million
Profit Margin - Quarterly
Net Interest Margin4.28%
Return on Assets0.68%
Return on Equity4.32%
Interest Income$116.04 million

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Umpqua Bank has 194 locations. Click to view all Umpqua Bank locations.