Umpqua Bank

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 45th largest bank in the nation. It was established in 1953 and as of March of 2024, it had grown to 5,057 employees at 323 locations. Umpqua Bank has a B+ health rating.

Umpqua Bank

I love this bank. When I lost my card they made it super easy to get a new one. They have also forgiven overdraft fees when I ran into financial hardships because I had previously maintained my account pretty well. I appreciate that they don't charge overdraft fees for less than $5 of insufficient funds. Whenever I get a chance to go back to Oregon and go into a physical bank, the tellers are always very nice and super helpful.

This Is Not Really An Online Bank

I attempted to open a two year CD that I saw listed here. I am not an existing customer of this bank. However, after going to the website and then calling, I learned that the two year CD could not be opened on line.
To get the two year CD I had to physically go to one of their branches to do that. Nonetheless, I would not be able to fund such a CD by ACH (most of my investable funds are at other internet banks and funds are moved by ACH). Rather, I would have to open a deposit account which could be funded by ACH, too complicated.
While there website shows online capability, it seems that is only intended for existing customers

The Bank Of "I Don't Know"

Posted by: |

I have never seen less competent bank employees in my life. I opened a checking account and it was a disaster. They misspelled the name, didn't send a pin for the atm card. You will have to go down to the branch and tell the employees what to do. They are next to worthless and should be replaced with machines ASAP.

Leaving This Place- Not Really A Bank

Posted by: |

Every time I try to transfer money to another bank after having done it for years, it cancels it. It sends me an authorization number, it says it’s authorized, it drafts, the check, and then it cancels it. And Umpqua does not know why. They can’t fix it. They don’t know what the problem is and they keep telling me that I must be going in and canceling it. Umpqua is a bunch of losers. Yep that’s what I said. I hope I hurt your feelings boohoo! You’ve wasted so much of my time. I’m disgusted that you call yourself a bank.



Health Grade Components

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD9.87%
Annual Interest Income$685.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$52.22B$53.99B
LoansQ1 2024vs Q1 2023$37.28B$36.72B
DepositsQ1 2024vs Q1 2023$41.76B$41.63B
Equity CapitalQ1 2024vs Q1 2023$5.32B$5.3B
Loan Loss AllowanceQ1 2024vs Q1 2023$414.3MM$417.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$93.9MM$52.3MM
Real Estate OwnedQ1 2024vs Q1 2023$1.8MM$409K

Rates for Umpqua Bank are currently being reviewed.



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