Bank of Eastern Oregon
Heppner, OR
IDRSSD: 14865
Total Assets
$960.38M
Latest filing
Total Deposits
$849.93M
Latest filing
Net Interest Margin
5.96%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Eastern Oregon
279 N Main St
Heppner, OR 97836
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/03/1945FDIC Certificate 10438
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Bank of Eastern Oregon (Main) | 279 N Main St | Heppner, OR |
| BURNS BRANCH | 293 N Broadway Ave | Burns, OR |
| FOSSIL BRANCH | 555 First St | Fossil, OR |
| MORO BRANCH | 508 Main St | Moro, OR |
| JOHN DAY BRANCH | 200 W Main St | John Day, OR |
| PRAIRIE CITY BRANCH | 178 Nw Front St | Prairie City, OR |
| ARLINGTON BRANCH | 325 On The Mall St | Arlington, OR |
| IONE BRANCH | 280 W Main St | Ione, OR |
Showing 7 of 21
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/03/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 97836 |
| State and County Number | 41049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Hermiston-Pendleton, OR |
Operational Info
| Number of Employees | 164 |
| Domestic Offices | 22 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2023 |
| Date of Deposit Insurance | 03/03/1945 |
| Primary Insurance Agency | DIF |
| Website | www.beobank.com |
| Data Updated | 01/30/2026 |
| CERT | 16243 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $960.38M |
| Total Deposits | $849.93M |
| Total Liabilities | $858.60M |
| Total Equity Capital | $101.78M |
| Net Income | $4.61M |
| Net Loans and Leases | $612.65M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $9.84M |
| Cash and Balances due from Depository Institutions | $106.79M |
| Deposits Held in Domestic Offices | $849.93M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 18.35% |
| Net Interest Margin | 5.96% |
| Efficiency Ratio | 55.28% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.598% |
| Earning Assets to total Assets | 93.13% |
Income and Expense
| Total Interest Income | $14.39M |
| Total Noninterest Income | $995.00k |
| Total Interest Expense | $1.43M |
| Total Noninterest Expense | $7.75M |
| Net Interest Income | $12.96M |
| Pre-tax Net Operating Income | $6.20M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.67M |
| Total Liabilities and Capital | $960.38M |
Securities
| Securities | $201.26M |
| Available-for-sale debt securities | $197.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.61M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Eastern Oregon?
$960.38M as of the latest filing.
How much are Bank of Eastern Oregon's total deposits?
$849.93M in total deposits.
Where is Bank of Eastern Oregon located?
Heppner, OR.
What is the Net Interest Margin?
5.96%.
How many domestic offices does it operate?
22.
When was it established?
03/03/1945.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$612.65M (latest filing).
What is the total interest income (latest filing)?
$14.39M.