Oregon Coast Bank
Newport, Oregon · FDIC Cert #57373
Oregon Coast Bank is an FDIC-insured bank (Certificate #57373) with $438M in total assets and $351M in total deposits as of the Q2 2024 Call Report. Headquartered in Newport, Oregon, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.81%. BankHealthData assigns a composite Health Grade of C (54/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Oregon Coast Bank (FDIC cert 57373) is a community bank — $438M in total assets, $351M in deposits, serving the Newport, Oregon area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.81% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.47% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Oregon Coast Bank carries a composite BankHealth grade of C (54/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Oregon Coast Bank
- Total Assets
- $438M
- Total Deposits
- $351M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.81%
- Liquidity Ratio
- 38.54%
- Return on Assets
- 0.47%
- Headquarters
- Newport, Oregon
- FDIC Certificate
- #57373
- Health Grade
- C (54/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Oregon Coast Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Oregon Coast Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Oregon Coast Bank shows average financial health. While not alarming, its Health Score of 54/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Oregon Coast Bank Compares
Oregon Coast Bank’s Health Score of 54 is 15 points below the Oregon state average of 69 across 13 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.81% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.47% is below the national ROA benchmark of ~1.1%. Among 1506 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Oregon Coast Bank is 16 points below the portfolio average of 70.
Frequently Asked Questions
Oregon Coast Bank has a Bank Health Score of C (54/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Oregon Coast Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.81% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Oregon Coast Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57373). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Oregon Coast Bank holds $438M in total assets and $351M in total deposits. It is headquartered in Newport, Oregon (FDIC Certificate #57373).
Oregon Coast Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.81%, and the return on assets is 0.47%.
Yes. Oregon Coast Bank is FDIC-insured (Certificate #57373). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Oregon Coast Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.