People's Bank of Commerce

1528 Biddle Road
Medford, OR 97504

Notable Rates APY Vs.Others
Savings 0.15% 2.60% →
1-Year CD 0.65% 2.36% →
2-Year CD 0.88% 2.60% →
5-Year CD 2.25% 2.80% →
30-Year Mortgage 3.96% 3.31% →
15-Year Mortgage 3.50% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

People's Bank of Commerce is an FDIC insured institution located in Medford, OR. It was founded in 1998 and has approximately $0.36 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 34685
Date Established 1998
Assets $0.36 billion
Loans $0.26 billion
Deposits $0.31 billion
Capital $0.04 billion
 

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

Deposit Rates - November 13, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.14% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.33% $500 - Learn MoreShow Less
6 Mo CD
0.38% $500 - Learn MoreShow Less
12 Mo CD
0.65% $500 - Learn MoreShow Less
18 Mo CD
0.75% $500 - Learn MoreShow Less
24 Mo CD
0.88% $500 - Learn MoreShow Less
36 Mo CD
1.03% $500 - Learn MoreShow Less
48 Mo CD
1.24% $500 - Learn MoreShow Less
60 Mo CD
2.25% $500 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1 - Learn MoreShow Less

Loan Rates - November 13, 2019

Your Current Location: Connecticut, CT 06828

Auto Loan Rates APR Rate Monthly Payment
6 Year 6.99% 6.75% $423.23
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment
Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

People's Bank of Commerce 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:
Fairfield,Connecticut


People's Bank of Commerce Locations


Financial Details

People's Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of People's Bank of Commerce. 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
People's Bank of Commerce U.S. Bank Average
10.77% 6.77%

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 June 30, 2019, People's Bank of Commerce had $0 in non-current loans and $4,380,000 in owned real estate. To cover these potential losses it had $37,759,000 in equity and $2,920,000 in loans loss reserves. That gives it a Texas Ratio of 10.77%.

Return on Equity
People's Bank of Commerce U.S. Bank Average
9.69% 9.50%

People's Bank of Commerce has a Return on Equity of 9.69% versus the BestCashCow average of 9.50%. 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
People's Bank of Commerce U.S. Bank Average
10.55% 12.76%

People's Bank of Commerce has a Capitalization of 10.55% versus the BestCashCow average of 12.76. 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.

People's Bank of Commerce Balance Sheet Analysis

As of June 30, 2019, People's Bank of Commerce had assets of $357,875,000, loans of $260,851,000, and deposits of $308,808,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.26 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 $0.02 billion
     Total Assets $0.32 billion
LIABILITIES
Total deposits $0.31 billion
      Interest-bearing deposits $0.18 billion
      Deposits held in domestic offices $0.31 billion
      % insured (estimated) 68.42%
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 $0.01 billion
      Total Liabilities $0.32 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in People's Bank of Commerce’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Oregon, People's Bank of Commerce has a significantly higher percent of Commercial Real Estate 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 16.36
Multifamily
Mortgages
3.57
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 24.32
Construction and Development Loans 6.72
Commercial Real Estate 59.30
Commercial and Industrial Loans 11.74
Farm Loans 0.10

Frequently Asked Questions About People's Bank Of Commerce

Branches and Savings

Is People's Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #34685.

Why does People's Bank Of Commerce pay such low interest on savings accounts?

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

Why are People's Bank Of Commerce CD rates not competitive?

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

Is People's Bank Of Commerce a commercial bank?

Yes

Where are People's Bank Of Commerce locations?

See branch locations nearby.

Is People's Bank Of Commerce open on Saturdays?

Is People's Bank Of Commerce open on Sundays?

What time does People's Bank Of Commerce open?

What time does People's Bank Of Commerce close?

Are People's Bank Of Commerce ATMs Open 24/7?

Do People's Bank Of Commerce ATMs accept cash deposits?

Can People's Bank Of Commerce customers use other ATMs?

Do People's Bank Of Commerce branches have notaries?

Will People's Bank Of Commerce notarize my document?

What address for People's Bank Of Commerce should I put for incoming ACH transfers?

Will the People's Bank Of Commerce branch print checks?

Do People's Bank Of Commerce checks expire?

Does People's Bank Of Commerce require US citizenship to open account?

Can People's Bank Of Commerce close my account?

Does People's Bank Of Commerce Report to credit bureaus?

Does People's Bank Of Commerce Use Equifax?

What is People's Bank Of Commerce's ACH Routing Number?

What is People's Bank Of Commerce's SWIFT code?

Products

Does People's Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does People's Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does People's Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does People's Bank Of Commerce offer student loans?

Will People's Bank Of Commerce cash a check?

Will People's Bank Of Commerce redeem a savings bond?

Does People's Bank Of Commerce cash savings bonds?

Will People's Bank Of Commerce cash money orders?

Can People's Bank Of Commerce issue a money order?

Does People's Bank Of Commerce do currency exchange?

Background on The Bank

Who owns People's Bank Of Commerce?

How long has People's Bank Of Commerce been around?

Can People's Bank Of Commerce transfer to other banks?

Does People's Bank Of Commerce have quick pay?

Does People's Bank Of Commerce accept rolled coins?

Will People's Bank Of Commerce accept loose change?

Where is People's Bank Of Commerce headquarters?

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