Umpqua Bank

445 S.E. Main Street
Roseburg, OR 97470

Phone: (866) 486-7782

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17266
Date Established 1953
Assets $27.32 billion
Loans $20.50 billion
Deposits $21.37 billion
Capital $4.40 billion

Umpqua Bank is an FDIC insured institution located in Roseburg, OR. It was founded in 1953 and has approximately $27.32 billion in assets. Customers can open an account at one of its 345 branches.

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

Deposit Rates - July 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.03% $2,500 $9,999 Learn MoreShow Less
Money Market
0.03% $10,000 $24,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.03% $25,000 $49,999 Learn MoreShow Less
Money Market
0.05% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.03% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.05% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.03% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.05% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.02% $1,000 - Learn MoreShow Less
6 Mo CD
0.05% $1,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
Special: 13 Mo CD
2.15% $1,000 - Learn MoreShow Less
18 Mo CD
0.65% $1,000 - Learn MoreShow Less
24 Mo CD
2.40% $1,000 - Learn MoreShow Less
36 Mo CD
0.70% $1,000 - Learn MoreShow Less
48 Mo CD
0.85% $1,000 - Learn MoreShow Less
60 Mo CD
1.25% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.01% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Embark Checking 0.00% $0 $0.00 Learn MoreShow Less
Access Checking 0.00% $0 $5.00 Learn MoreShow Less
Charter Bank 0.00% $15,000 $20.00 Learn MoreShow Less

Loan Rates - July 21, 2019

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
5 Year 4.07% 4.07% $461.20
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage 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

Umpqua Bank 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:
Ashburn,Virginia


Umpqua Bank Locations


Financial Details

Umpqua Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Umpqua Bank. 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
Umpqua Bank U.S. Bank Average
1.95% 6.94%

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 March 31, 2019, Umpqua Bank had $78,399,000 in non-current loans and $10,488,000 in owned real estate. To cover these potential losses it had $4,403,172,000 in equity and $144,832,000 in loans loss reserves. That gives it a Texas Ratio of 1.95%.

Return on Equity
Umpqua Bank U.S. Bank Average
7.19% 9.47%

Umpqua Bank has a Return on Equity of 7.19% versus the BestCashCow average of 9.47%. 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
Umpqua Bank U.S. Bank Average
16.12% 12.49%

Umpqua Bank has a Capitalization of 16.12% versus the BestCashCow average of 12.49. 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.

Umpqua Bank Balance Sheet Analysis

As of March 31, 2019, Umpqua Bank had assets of $27,322,215,000, loans of $20,501,250,000, and deposits of $21,372,942,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.90 billion
Interest-bearing balances $0.61 billion
Total securities $2.95 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $20.50 billion
Loan loss allowance $0.14 billion
Trading account assets $0.01 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $1.97 billion
All other assets $0.67 billion
     Total Assets $22.92 billion
LIABILITIES
Total deposits $21.37 billion
      Interest-bearing deposits $14.75 billion
      Deposits held in domestic offices $21.37 billion
      % insured (estimated) 63.03%
Federal funds purchased and repurchase agreements $0.29 billion
Trading liabilities $0.00 billion
Other borrowed funds $1.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.21 billion
      Total Liabilities $22.92 billion
      Shareholders’ Equity $4.40 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.28 billion
Total Interest Expense $0.04 billion
Net interest income $0.24 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.04 billion
Total non interest expense $0.17 billion
Pre-tax Net Operating Income $0.10 billion

Bank Loan Profile?

The top three loan types in Umpqua Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Oregon, Umpqua Bank has a significantly higher percent of Multifamily Mortgages, Consumer Auto 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 23.30
Multifamily
Mortgages
16.09
Credit Card Loans 0.00
Consumer Auto Loans 1.63
Small Business Loans 3.77
Construction and Development Loans 7.03
Commercial Real Estate 26.96
Commercial and Industrial Loans 15.92
Farm Loans 1.39

Frequently Asked Questions About Umpqua Bank

Branches and Savings

Is Umpqua Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17266.

Why does Umpqua Bank pay such low interest on savings accounts?

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

Why are Umpqua Bank CD rates not competitive?

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

Is Umpqua Bank a commercial bank?

Yes

Where are Umpqua Bank locations?

See branch locations nearby.

Is Umpqua Bank open on Saturdays?

Is Umpqua Bank open on Sundays?

What time does Umpqua Bank open?

What time does Umpqua Bank close?

Are Umpqua Bank ATMs Open 24/7?

Do Umpqua Bank ATMs accept cash deposits?

Can Umpqua Bank customers use other ATMs?

Do Umpqua Bank branches have notaries?

Will Umpqua Bank notarize my document?

What address for Umpqua Bank should I put for incoming ACH transfers?

Will the Umpqua Bank branch print checks?

Do Umpqua Bank checks expire?

Does Umpqua Bank require US citizenship to open account?

Can Umpqua Bank close my account?

Does Umpqua Bank Report to credit bureaus?

Does Umpqua Bank Use Equifax?

What is Umpqua Bank's ACH Routing Number?

What is Umpqua Bank's SWIFT code?

Products

Does Umpqua Bank offer mortgages?

Compare mortgage rates here.

Does Umpqua Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Umpqua Bank offer personal loans?

Compare personal loan rates here.

Does Umpqua Bank offer student loans?

Will Umpqua Bank cash a check?

Will Umpqua Bank redeem a savings bond?

Does Umpqua Bank cash savings bonds?

Will Umpqua Bank cash money orders?

Can Umpqua Bank issue a money order?

Does Umpqua Bank do currency exchange?

Background on The Bank

Who owns Umpqua Bank?

How long has Umpqua Bank been around?

Can Umpqua Bank transfer to other banks?

Does Umpqua Bank have quick pay?

Does Umpqua Bank accept rolled coins?

Will Umpqua Bank accept loose change?

Where is Umpqua Bank headquarters?

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