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.

Quote " The World's Greatest Bank"

Posted by: |

I am so tired of the employees being required to answer the phone this way. It is not a true or factual statement. According to WA state RCW's this is in fact an illegal statement to use for marketing purposes unless you can prove it to be 100% factual and true. I have banked there for many years and it is a horrible bank. They lack locations, many of the banks do not have drive up windows, they charge fees for using ATM machine's outside the network, many of the locations are not opened on weekends, they cap their mobile deposits at $5K per day combine this with limited hours and locations, that policy sucks! Oh, and the hold times are unreal, even prior to COVID-19 their wait times were 20+ minutes. So bad, save your troubles and bank somewhere else.

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Health
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

Overall
FDIC Certificate #17266
Year Established1953
Employees3869
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-12.5%
Return on Equity - YTD-106.95%
Annual Interest Income$517.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$29.63B$27.95B
LoansQ2 2020vs Q2 2019$22.92B$21.16B
DepositsQ2 2020vs Q2 2019$24.98B$21.95B
Equity CapitalQ2 2020vs Q2 2019$2.73B$4.51B
Loan Loss AllowanceQ2 2020vs Q2 2019$356.7MM$151.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$64.1MM$67.9MM
Real Estate OwnedQ2 2020vs Q2 2019$2.6MM$8.4MM
Rates
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Umpqua Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-13 Month CD
0.20%$1k$75k13 Month Online CD
0.15%$1k-7 Month CD
0.15%$1k$75k7 Month Online CD
Locations

Availability

San Francisco Bay Area

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