Umpqua Bank

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.

Umpqua Bank

Posted by: |

The website for this bank has been nothing but a pain in the rear for the past 5 yrs. Logging in every month is very difficult and you constantly have to verify your login just so you can make a payment. Working hard to pay this off asap so i don't have to deal with this bank anymore.


Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Umpqua Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-5.22%
Return on Equity - YTD-47.87%
Annual Interest Income$1.02B
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$29.23B$28.82B
LoansQ4 2020vs Q4 2019$22.22B$21.55B
DepositsQ4 2020vs Q4 2019$24.76B$22.61B
Equity CapitalQ4 2020vs Q4 2019$2.91B$4.59B
Loan Loss AllowanceQ4 2020vs Q4 2019$328.4MM$157.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$59.0MM$58.6MM
Real Estate OwnedQ4 2020vs Q4 2019$1.8MM$3.3MM
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Umpqua Bank CD Rates

0.20%$1k-24 Month CD
0.20%$1k$75k24 Month Online CD
0.15%$1k-12 Month CD
0.15%$1k$75k12 Month Online CD


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