Umpqua Bank

Umpqua Bank Locations
445 SE Main St
Roseburg, OR 97470
541-440-3961
www.umpquabank.com

Umpqua Bank is headquartered in Roseburg and is the largest bank in the state of Oregon. It is also the 95th largest bank in the nation. It was established in 1953 and as of September of 2011, it had grown to 2,207 employees at 186 locations. Umpqua Bank has a 4-star health rating.

Related Posts

Competitive CD Rates at Umpqua Bank in CA, WA, OR & NV - Local Only - 6/23/2011

Umpqua Bank is currently offering two competitive CD rates. One is a 5-year CD with a 2.52% APY. The other is a special 8-month CD with a 1.06% APY. Minimum deposit is $1,000, and the special CD requi ...

CD and Money Market Special at Umpqua Bank in WA, OR & Northern CA - Local Only - 8/4/2010

Umpqua Bank is offering two special CDs and a money market deal as part of a summer sale. There are actually two sales. The one with the best rates is scheduled to end August 6, 2010. Here's the link ...

Review of the Largest Banks Offering Reward Checking Accounts - 2/27/2010

While writing the post for yesterday's bank failures , I noticed Umpqua Bank which took over the failed bank Rainier Pacific Bank has a reward checking account. The reason why I found this interestin ...

2.50% 13-Month CD & 2% Money Market at Umpqua Bank in WA, OR & Northern CA - Local Only - 7/24/2009

Umpqua Bank is offering a special 13-month CD with a 2.50% APY. Minimum deposit is $10,000, and a checking account is required. It's scheduled to expire on 8/07/09. This promotion is listed at Umpqua's Summer Sale Page as of 7/24/09.There's an online...

2009




Report an Issue

Umpqua Bank Checking Account Rates

ApyMinMaxProduct
1.00%†-$25kThrive Interest Checking - Qualifying
0.15%†$250k-Prosper Interest Checking
0.05%†--Gain Interest Checking
0.01%†--Thrive Interest Checking - Non-Qualifying

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Umpqua Bank
FDIC Certificate #17266
BankRate ReportView
Year Established1953
Employees2207
Primary RegulatorFDIC

Assets and Liabilities

Assets$11.76 billion
Loans$6.50 billion
Deposits$9.52 billion
Equity Capital$1.76 billion
Loan Loss Allowance$94.11 million
Unbacked Noncurrent Loans$147.55 million
Real Estate Owned$54.16 million

Historic Data - September 2010

Assets$11.53 billion
Equity Capital$1.70 billion
Loan Loss Allowance$108.10 million
Unbacked Noncurrent Loans$148.19 million
Real Estate Owned$62.37 million

Profit Margin - Quarterly

Net Interest Margin4.29%
Return on Assets0.67%
Return on Equity4.48%
Interest Income$381.06 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 September 30, 2011 Umpqua Bank had $201.71 million in non-current loans and owned real-estate with $1.86 billion in equity and loan loss allowances on hand to cover it. This gives Umpqua Bank a Texas Ratio of 10.85% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Umpqua Bank decreased slightly from 13.35% as of September 30, 2010 to 10.85% as of September 30, 2011, resulting in a positive change of 18.69%.This indicates that the balance sheet and financial strength for Umpqua Bank has improved slightly in recent periods.
Deposit Growth3
In the past year, Umpqua Bank has increased its total deposits by $82.46 million, resulting in 0.87% 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 average.
Capitalization5
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 $11.76 billion in assets with $1.86 billion in equity, resulting in a capitalization level of 15.80%, which is excellent.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Savings Account
Nationwide Savings Accounts