Oregon Pacific Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Oregon Pacific Bancorp has total assets of $795.2M and total equity of $64.6M. Total deposits are $695.6M, and total loans are $558.1M. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.05% of total loans. Cash and short-term investments are $38.3M.
Key information
12.3x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$695.59m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.05% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$38.31m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ORPB's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: ORPB has a sufficient allowance for bad loans (2662%).
Low Risk Liabilities: 95% of ORPB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ORPB has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: ORPB's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: ORPB has an appropriate level of bad loans (0%).