People'S Bank of Commerce
Medford, OR·RSSD 2661861·FDIC 34685·bank:2661861·CBLR opted in
- #7 of 14Total assets in Oregon
- 11offices
- 138employees
- Top 4%Margin improvement in the U.S.
- Top 8%Net interest margin vs. peers
- #1 of 8C&I loan growth in Oregon
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at People'S Bank of Commerce
5 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter97.0%+14.4 pp in 12 months
People'S Bank of Commerce's loans rose to 97.0% of deposits, 14.4 percentage points higher than a year earlier, while cash fell to 2.9% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 97.0% | +14.4 pp in 12 months |
| Cash / assets | |
| 2.9% | -4.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. People'S Bank of Commerce itself is left out of every peer median and percentile. How signals work
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-10.2%peers +4.3%-14.5 pp
People'S Bank of Commerce's deposits declined 10.2% over the past year to $618 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -10.2% | +4.3% | -14.5 pp |
| Deposits | ||
| $618 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. People'S Bank of Commerce itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter5.00%peers 3.99%+101 bps
People'S Bank of Commerce's net interest margin rose 65 bps over the past year to 5.00%. Among 1433 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.00% | 3.99% | +101 bps |
| 12-month change | ||
| +65 bps | +23 bps | +42 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. People'S Bank of Commerce itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital15.33%peers 10.81%+4.5 pp
People'S Bank of Commerce's leverage ratio rose 1.5 percentage points over the past year to 15.33%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 15.33% | 10.81% | +4.5 pp |
| 12-month change | ||
| +1.5 pp | +0.2 pp | +1.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. People'S Bank of Commerce itself is left out of every peer median and percentile. How signals work
1 more observation
- Borrowed funding rising while the peer median holds steadyFunding
Key facts
- People'S Bank of Commerce is a bank headquartered in Medford, Oregon. It reported $777 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $618 million, down 10.2% from a year earlier, and loans totaled $599 million, up 5.4%.
- Its net interest margin was 5.00% and its annualized return on assets was 1.23% for the quarter.
- Its cost of all deposits was 1.37%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With People'S Bank of Commerce's own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- People'S Bank of Commerce · Bank
- Federal Reserve RSSD
- 2661861
- FDIC certificate
- 34685
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. People'S Bank of Commerce itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.38M | — | |
| $11.03M | — | |
| $2.28M | — | |
| $8.75M | — | |
| $1.17M | — | |
| $6.22M | — | |
| $510K | — | |
| $481K | — | |
| 1.23% | 1.23%ROAQ · Quarter | |
| 5.00% | 4.98%NIMYQ · Quarter | |
| 62.69% | 62.59%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.