Peoples Bank Of Commerce (FDIC #34685): Bank Stress & Real-Estate Credit Exposure

Peoples Bank Of Commerce (FDIC Cert #34685): bank stress 47/100, moderate, STABLE over 7 days; parent PBCO FINANCIAL CORP.

Peoples Bank Of Commerce (#34685) lends in 6 counties across 1 state; Peoples Bank Of Commerce (#34685) reaches 125 ZIP codes: Oregon 6 counties, 125 ZIPs.

Peoples Bank Of Commerce (#34685) largest markets: Lane County, OR (39 branches, 39 ZIPs) (#34685), Marion County, OR (28 branches, 28 ZIPs) (#34685), Linn County, OR (44 branches, 22 ZIPs) (#34685), Jackson County, OR (90 branches, 18 ZIPs) (#34685), Klamath County, OR (18 branches, 18 ZIPs) (#34685), Josephine County, OR (11 branches, 11 ZIPs) (#34685).

Peoples Bank Of Commerce (#34685) reports $776.7 million in total assets; Peoples Bank Of Commerce (#34685) equity $115.6 million (14.9% of Peoples Bank Of Commerce (#34685) assets); Peoples Bank Of Commerce (#34685) domestic deposits $618.2 million; Peoples Bank Of Commerce (#34685) net income $5.2 million; Peoples Bank Of Commerce (#34685) return on assets 1.34%; Peoples Bank Of Commerce (#34685) return on equity 9.17%; Peoples Bank Of Commerce (#34685) net interest income $17.3 million; Peoples Bank Of Commerce (#34685) call report June 30, 2026.

Peoples Bank Of Commerce (#34685) noncurrent real-estate loans: none reported; Peoples Bank Of Commerce (#34685) net charge-offs on real estate 0.80%; Peoples Bank Of Commerce (#34685) residential charge-offs 0.21%.

Peoples Bank Of Commerce (#34685) net interest margin 4.90% against an eight-quarter Peoples Bank Of Commerce (#34685) average of 4.36% (Peoples Bank Of Commerce (#34685) compression -0.53 points); Peoples Bank Of Commerce (#34685) real-estate loans 0.4% of equity; Peoples Bank Of Commerce (#34685) non-residential real estate 21.3% of equity; Peoples Bank Of Commerce (#34685) rate-exposure score 40/100, Peoples Bank Of Commerce (#34685) fixed-rate trap 40/100; Peoples Bank Of Commerce (#34685) risk type credit driven; Peoples Bank Of Commerce (#34685) rate regime rates elevated, Peoples Bank Of Commerce (#34685) snapshot October 20, 2026.

Peoples Bank Of Commerce (#34685) stress score moved from 44.1 on June 22, 2026 to 46.6 on October 20, 2026; Peoples Bank Of Commerce (#34685) ranged 44.1 to 46.6 over 117 snapshots.

Peoples Bank Of Commerce (#34685) alerts: 6 counties; top Peoples Bank Of Commerce (#34685) alert scores: Eugene County, OR 18 (low); Grants Pass County, OR 18 (low); Klamath Falls County, OR 18 (low); Lebanon County, OR 18 (low); Medford County, OR 18 (low).