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People'S Bank Of Commerce
Medford, OR · FDIC Certificate #34685 · Chartered 03/0
Total assets
$776.72M
Total deposits
$618.24M
Total equity
$115.56M
Net loans
$592.98M
Branches (offices)
11
Net income (YTD)
$5.22M
Rank: #1,281 of 4,213 U.S. banks by assets · #6 of 12 in Oregon. Assets changed -4.2% and deposits -10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 9.17% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 14.88% |
| Tier 1 leverage ratio | 15.33% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 95.9% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $504.39M | 85.1% | |
| Commercial & industrial | $89.27M | 15.1% | |
| Consumer / individual | $2.76M | 0.5% | |
| Construction & development | $32.17M | 5.4% | |
| Agricultural | $5.24M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $856.44M | $750.74M | $5.25M | $88.99M |
| Jun 2023 | $812.96M | $662.63M | $3.54M | $85.83M |
| Jun 2024 | $788.37M | $659.23M | $3.65M | $95.26M |
| Jun 2025 | $811.10M | $688.69M | $4.28M | $108.12M |
| Jun 2026 | $776.72M | $618.24M | $5.22M | $115.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oregon | $618.24M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $618.24M.
Similar-sized banks
Millennium Bank ($780.77M) · Harford Bank ($776.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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