Bank of Eastern Oregon

279 N Main Street
Heppner, OR 97836

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16243
Date Established 1945
Assets $0.41 billion
Loans $0.32 billion
Deposits $0.37 billion
Capital $0.04 billion

Bank of Eastern Oregon is an FDIC insured institution located in Heppner, OR. It was founded in 1945 and has approximately $0.41 billion in assets. Customers can open an account at one of its 14 branches.

For a more detailed analysis of Bank of Eastern Oregon's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Eastern Oregon’s loan portfolio are Farm Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Oregon, Bank of Eastern Oregon has a significantly higher percent of Credit Card Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.45
Multifamily
Mortgages
2.68
Credit Card Loans 0.25
Consumer Auto Loans 0.06
Small Business Loans 11.45
Construction and Development Loans 6.93
Commercial Real Estate 18.60
Commercial and Industrial Loans 10.91
Farm Loans 22.04

Deposit Rates - June 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.10% $100,000 - Learn MoreShow Less
6 Mo CD
0.12% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.12% $100,000 - Learn MoreShow Less
12 Mo CD
0.25% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.25% $100,000 - Learn MoreShow Less
18 Mo CD
0.40% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.40% $100,000 - Learn MoreShow Less
24 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.50% $100,000 - Learn MoreShow Less
36 Mo CD
1.00% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.00% $100,000 - Learn MoreShow Less
48 Mo CD
1.51% $500 $99,999 Learn MoreShow Less
48 Mo CD
1.51% $100,000 - Learn MoreShow Less
60 Mo CD
2.02% $500 $99,999 Learn MoreShow Less
60 Mo CD
2.02% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $25 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
2.27% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $9,999 Learn MoreShow Less

Loan Rates - June 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Eastern Oregon

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Bank of Eastern Oregon
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Branches

Bank of Eastern Oregon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Bank of Eastern Oregon Locations


Financial Details

Bank of Eastern Oregon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Eastern Oregon. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Eastern Oregon U.S. Bank Average
14.85% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Bank of Eastern Oregon had $5,068,000 in non-current loans and $1,844,000 in owned real estate. To cover these potential losses it had $42,998,000 in equity and $3,556,000 in loans loss reserves. That gives it a Texas Ratio of 14.85%.

Return on Equity
Bank of Eastern Oregon U.S. Bank Average
10.36% 8.80%

Bank of Eastern Oregon has a Return on Equity of 10.36% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Eastern Oregon U.S. Bank Average
10.37% 12.29%

Bank of Eastern Oregon has a Capitalization of 10.37% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Eastern Oregon Balance Sheet Analysis

As of December 31, 2018, Bank of Eastern Oregon had assets of $414,528,000, loans of $324,639,000, and deposits of $368,216,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.32 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.37 billion
LIABILITIES
Total deposits $0.37 billion
      Interest-bearing deposits $0.28 billion
      Deposits held in domestic offices $0.37 billion
      % insured (estimated) 86.10%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.37 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Bank Of Eastern Oregon

Branches and Savings

Is Bank Of Eastern Oregon FDIC insured?

Yes. It is covered under FDIC Certificate #16243.

Why does Bank Of Eastern Oregon pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Eastern Oregon CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Eastern Oregon a commercial bank?

Yes

Where are Bank Of Eastern Oregon locations?

See branch locations nearby.

Is Bank Of Eastern Oregon open on Saturdays?

Is Bank Of Eastern Oregon open on Sundays?

What time does Bank Of Eastern Oregon open?

What time does Bank Of Eastern Oregon close?

Are Bank Of Eastern Oregon ATMs Open 24/7?

Do Bank Of Eastern Oregon ATMs accept cash deposits?

Can Bank Of Eastern Oregon customers use other ATMs?

Do Bank Of Eastern Oregon branches have notaries?

Will Bank Of Eastern Oregon notarize my document?

What address for Bank Of Eastern Oregon should I put for incoming ACH transfers?

Will the Bank Of Eastern Oregon branch print checks?

Do Bank Of Eastern Oregon checks expire?

Does Bank Of Eastern Oregon require US citizenship to open account?

Can Bank Of Eastern Oregon close my account?

Does Bank Of Eastern Oregon Report to credit bureaus?

Does Bank Of Eastern Oregon Use Equifax?

What is Bank Of Eastern Oregon's ACH Routing Number?

What is Bank Of Eastern Oregon's SWIFT code?

Products

Does Bank Of Eastern Oregon offer mortgages?

Compare mortgage rates here.

Does Bank Of Eastern Oregon offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Eastern Oregon offer personal loans?

Compare personal loan rates here.

Does Bank Of Eastern Oregon offer student loans?

Will Bank Of Eastern Oregon cash a check?

Will Bank Of Eastern Oregon redeem a savings bond?

Does Bank Of Eastern Oregon cash savings bonds?

Will Bank Of Eastern Oregon cash money orders?

Can Bank Of Eastern Oregon issue a money order?

Does Bank Of Eastern Oregon do currency exchange?

Background on The Bank

Who owns Bank Of Eastern Oregon?

How long has Bank Of Eastern Oregon been around?

Can Bank Of Eastern Oregon transfer to other banks?

Does Bank Of Eastern Oregon have quick pay?

Does Bank Of Eastern Oregon accept rolled coins?

Will Bank Of Eastern Oregon accept loose change?

Where is Bank Of Eastern Oregon headquarters?

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