Oregon Pacific Bancorp

What Oregon Pacific Bancorp does

Oregon Pacific Bancorp is the privately held bank holding company for Oregon Pacific Banking Company (DBA Oregon Pacific Bank), a community bank founded in 1979 and headquartered in Florence, Oregon. The company operates six branch locations across Oregon (Coos Bay, Eugene, Florence, Medford, Roseburg, and Portland Metro) and serves local businesses, nonprofits, and individual consumers with a relationship-based banking model emphasizing local decision-making authority. As of Q1 2026, the bank held over $820 million in total assets and reported a Q1 2026 net interest margin of 4.13%.

The bank's core offering comprises business banking services (checking accounts, merchant services via the Converge platform, treasury management, and commercial lending including business loans, lines of credit, and commercial real estate financing), personal banking services (checking, savings, personal loans, and credit cards via ServisFirst), and trust and wealth management services delivered through Oregon Pacific Wealth Management LLC, a wholly owned registered investment adviser subsidiary that managed $307.6 million in trust AUM as of Q1 2026. Technology is a standard commercial banking stack supporting online banking, a mobile app, remote deposit capture, merchant payment processing, and trust client services. The bank's revenue model combines net interest income from the spread on loans and deposits (the dominant stream), transaction-based banking fees and service charges, and managed-services revenue from trust and wealth management.

Oregon Pacific Bank is led by President and incoming CEO Amber J. White, who succeeded Ron Green effective July 1, 2026. Green, who led the bank since 2013 and grew assets from $177 million to over $820 million, transitioned to Executive Advisor before retiring September 16, 2026. The bank was recognized in 2026 as one of the 100 Best Companies to Work For, reflecting its community-oriented employee culture.

Name

Oregon Pacific Bancorp

Legal name

Oregon Pacific Banking Co.

Website

https://opbc.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

101–250 employees

Short description

Oregon Pacific Bancorp is a privately held Oregon community bank holding company operating six branches serving local businesses, nonprofits, and individuals with relationship-based banking, commercial lending, trust services, and wealth management across $820 million in total assets.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Offices of Bank Holding Companies (551111), Commercial Banking (52211)

SIC

State Commercial Banks (6022), Commercial Banks, Nec (6029)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Community banking services
• Commercial lending solutions
• Personal banking accounts
• Trust and wealth management
• Merchant payment processing

Headquarters

HQ city

Florence

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Net Interest Income: Core banking revenue generated from the spread between interest earned on loans (including commercial loans, commercial real estate, personal loans) and interest paid on deposits. Net interest margin expanded to 4.13% in Q1 2026.
2. Banking Fees and Service Charges: Non-interest income from banking services including business accounts, merchant services/payment processing, credit cards, and additional banking services.
3. Trust and Wealth Management: Fiduciary services including trust services and wealth management through Oregon Pacific Wealth Management LLC, a registered investment adviser and wholly owned subsidiary. Trust AUM grew to $307.6 million as of Q1 2026.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Oregon Pacific Bancorp is the holding company for Oregon Pacific Banking Company, a community bank serving Oregon since 1979. The bank delivers business and personal banking, commercial and consumer lending, merchant services, credit cards, and nonprofit banking solutions, supplemented by trust and fiduciary services and wealth management delivered through its wholly owned subsidiary Oregon Pacific Wealth Management, LLC.

Product overview

Oregon Pacific Bank operates as a regional community bank offering a unified suite of banking services through integrated digital and branch channels. The core offering comprises Business Banking Services (business accounts, merchant services, commercial lending) and Personal Banking Services (checking, savings, personal loans), supplemented by Trust Services and Oregon Pacific Wealth Management, LLC (a registered investment adviser subsidiary providing wealth management). Additional products include credit cards, nonprofit solutions, and an online loan application portal. The bank serves Oregon communities from six locations and provides digital banking access alongside traditional branch services.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking Services Comprehensive business banking including business checking accounts, merchant services, treasury management, and tailored services for local businesses and nonprofits across Oregon.
• Personal Banking Services Personal checking and savings accounts, personal financing, personal credit cards, and additional personal financial services for individual customers across Oregon.
• Business Financing Solutions Commercial lending including business loans, lines of credit, and commercial real estate financing for business customers.
• Personal Loans Consumer lending products for personal financial needs including secured and unsecured personal loans.
• Trust Services Trust and fiduciary services including estate administration, trust management, and trustee services for individuals and families.
• Oregon Pacific Wealth Management Registered investment advisory services and wealth management solutions offered through a wholly owned subsidiary of Oregon Pacific Banking Co., with Trust AUM of $307.6 million as of Q1 2026.
• Merchant Services Payment processing solutions for business merchants including point-of-sale systems and transaction processing through the Converge platform.
• Nonprofit Banking Solutions Specialized banking services designed for nonprofit organizations including dedicated accounts and fundraising support.
• Oregon Pacific Bank Digital Banking Online and mobile banking platform providing account access, bill pay, mobile check deposit, remote deposit capture, and account management for personal and business customers.

Quantifiable outcome

• Total assets grew from $177 million to over $820 million (363% growth) under current leadership
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Umpqua Holdings Corporation (Umpqua Bank): Oregon-headquartered commercial and community banking franchise operating across the Pacific Northwest with a much larger asset base, a full suite of business banking, treasury management, and wealth services comparable to Oregon Pacific's product set.
• Columbia Banking System: Pacific Northwest community and commercial bank serving SMBs and consumers across Oregon and Washington with similar relationship-banking positioning, commercial lending, and deposit products; meaningfully larger in scale than Oregon Pacific.
• First Interstate Bank: Multi-state community bank with Pacific Northwest presence offering commercial lending, treasury management, wealth management, and SMB banking — directly overlapping Oregon Pacific's service model across Oregon markets.
• First Republic Bank (precedent community banking model): Pre-collapse reference for the high-touch community banking model targeting SMBs, professionals, and wealth clients — illustrates the relationship-banking premium Oregon Pacific is pursuing, and the scale and execution risks that come with it.

Direct peers

• Heritage Financial Corporation: Pacific Northwest community bank of similar size focused on SMB, nonprofit, and consumer banking with commercial lending, treasury, and wealth services — directly comparable in business model and regional concentration.
• HomeStreet Bank: Pacific Northwest-based community bank offering commercial and consumer banking, mortgage, and wealth management with comparable branch footprint and customer mix to Oregon Pacific.
• Pacific West Bank: Oregon-focused community bank of similar size serving SMBs, nonprofits, and consumers with commercial lending, deposits, and treasury management — the most direct community-bank peer in scale and geography.
• Willamette Valley Bank: Oregon community bank providing business banking, commercial lending, and wealth services to local SMBs and consumers; directly comparable in branch density, asset size band, and community banking positioning.
• Summit Bank (Oregon): Oregon-based community bank serving SMBs and professionals with deposit accounts, commercial lending, and treasury services — directly comparable in customer mix, scale, and relationship-banking focus.

Others

• ServisFirst Bank: Commercial banking partner of Oregon Pacific via card management services; also a comparable community and commercial banking franchise with similar SMB-focused commercial lending and treasury offerings, providing both a partnership and product-overlap reference point.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/OregonPacBank
• YouTubeyoutube.com/@oregonpacificbank5650
• Facebookfacebook.com/OregonPacBank
• LinkedInlinkedin.com/company/oregon-pacific-bank
• Instagraminstagram.com/oregon_pacific_bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oregon Pacific Bancorp