Safest Banks in Oregon 2026
Oregon has 13 FDIC-insured banks with an average Bank Health Score of 84/100 (A). The safest bank is U S Bank Trust Co NA with a score of 100/100.
Data from FDIC Q2 2024
13 Oregon banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Oregon's 13 FDIC-insured banks hold a combined $60.5B in assets. Their average Bank Health Score of 84/100 sits 4.0 points above the national average of 80/100. Across the state, 100% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Oregon is Umpqua Bank with $52.0B in assets and a Bank Health Score of 74/100. The strongest by score is U S Bank Trust Co NA in Portland (100/100, Tier 1 capital 89.18%). The weakest is Pacific West Bank at 65/100, dragged down by an NPL ratio of 0.33%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Oregon
U S Bank Trust Co NA
Portland, OR
Oregon's top-rated bank, with a Tier 1 capital ratio of 89.18% — well above the federal "well-capitalized" threshold of 8%. Holds $2.2B in assets.
Clackamas County Bank
Sandy, OR
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $299M in total assets.
First Fs&la of Mcminnville
Mcminnville, OR
Third in the rankings on the Bank Health Score. Liquidity ratio of 32.51% and ROA of 0.19%.
Top 13 Banks in Oregon
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | U S Bank Trust Co NA | Portland | A | 100 | 89.18% | 0.00% |
| 2 | Clackamas County Bank | Sandy | A | 94 | 21.93% | 0.00% |
| 3 | First Fs&la of Mcminnville | Mcminnville | A | 93 | 20.29% | 0.00% |
| 4 | Lewis&Clark Bank | Oregon City | A | 92 | 20.00% | 0.05% |
| 5 | Oregon Pacific Bk DBA or Pac | Florence | A | 88 | 14.35% | 0.05% |
| 6 | Willamette Valley Bank | Salem | A | 88 | 15.64% | 0.30% |
| 7 | Pioneer Trust Bank NA | Salem | A | 86 | 15.71% | 0.45% |
| 8 | Bank of Eastern Oregon | Heppner | A | 84 | 10.41% | 0.49% |
| 9 | Peoples Bank of Commerce | Medford | A | 82 | 13.22% | 0.19% |
| 10 | Umpqua Bank | Roseburg | B | 74 | 10.82% | 0.41% |
| 11 | Oregon Coast Bank | Newport | B | 74 | 9.41% | 0.81% |
| 12 | Evergreen Federal Bank | Grants Pass | B | 68 | 12.47% | 0.40% |
| 13 | Pacific West Bank | West Linn | B | 65 | 11.02% | 0.33% |
Bank Health Scores for Oregon are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, U S Bank Trust Co NA in Portland is currently the safest bank in Oregon with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 89.18% and a nonperforming loan ratio of 0.00%.
Oregon has 13 FDIC-insured banks with a combined $60.5B in total assets. The average Bank Health Score across the state is 84/100 (Grade A).
Oregon's average Bank Health Score of 84/100 is 4.0 points above the national average of 80/100. 100% of banks in Oregon earn an A or B grade, compared with the national average grade of A.
Of 13 FDIC-insured banks headquartered in Oregon, 9 earn an A, 4 a B, 0 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).