What Oregon Pacific Bank does

Oregon Pacific Bank, operating through its holding company Oregon Pacific Bancorp (ORPB), is a privately held Oregon state-chartered community bank founded on December 17, 1979, and headquartered in Florence, Oregon. The bank serves businesses, nonprofit organizations, individuals, agricultural clients, and trust/wealth management customers across Oregon through six branch locations (Florence, Eugene, Medford, Coos Bay, Roseburg, and Portland Metro), supported by FDIC-insured deposits, digital banking channels (iOS/Android mobile apps, online banking, telephone banking, and an online loan application portal), and treasury management services.

Revenue is generated primarily through net interest income from a $591.8M loan portfolio (June 2025) spanning commercial, commercial real estate, government guaranteed, agricultural, and consumer lending, complemented by $699.4M in deposits (December 2025). Noninterest income is anchored by trust fee income from a $297.7M trust AUM franchise established in 1996 (also delivered through the wholly owned Oregon Pacific Wealth Management LLC, an SEC-registered investment adviser), plus merchant card services via the Converge platform, treasury management fees (ACH, wires, Remote Deposit Capture, Positive Pay), and card-related interchange. The bank reports annual net income of $8.6M for 2025, up from $7.5M in 2024, with loan growth of 4.91% and deposit growth of 3.36%.

Distribution is branch-led and relationship-driven: local bankers with decision-making authority originate commercial and consumer loans, manage deposit relationships, and deliver fiduciary services through dedicated Trust departments embedded in five of six branches. The bank's competitive positioning is built on local decision-making, agricultural and nonprofit specialization, multi-generational wealth transfer expertise, and community involvement, distinguishing it from national banks in Oregon's coastal and mid-sized markets. As of 2026, the bank is in the midst of an executive leadership transition, with Amber J. White assuming the President & CEO role effective July 1, 2026, succeeding Ron Green.

Name

Oregon Pacific Bank

Legal name

Oregon Pacific Banking Co.

Website

https://oregonpacificbank.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

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

Keywords

• Community banking
• Commercial lending
• Trust services
• Wealth management
• Business banking

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, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue driver from lending activities including commercial loans, commercial real estate, government guaranteed lending, and consumer loans. The bank earns interest on its loan portfolio which totaled $571.6 million in Q4 2024.
2. Trust Fee Income: Noninterest income from trust and fiduciary services including trust management fees and transactional revenue from estate administration. Trust AUM reached $297.7 million as of December 2025 with trust fee income of $1.1 million in Q2 2025.
3. Merchant Services: Payment processing services for business clients including merchant card services, which showed seasonal growth tied to tourism in coastal communities.
4. Treasury Management Services: Expanded services for business clients including ACH services, wire transfers, Remote Deposit Capture, Positive Pay fraud prevention, and business-to-business transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Oregon Pacific Bank is a community bank offering business and personal deposit accounts, commercial and consumer lending, treasury management, merchant card services, and government guaranteed (SBA) lending. The bank also provides trust and fiduciary services through its Trust Services department and wealth management through Oregon Pacific Wealth Management, LLC, a wholly owned, SEC-registered investment adviser subsidiary. Distribution is delivered through six Oregon branches complemented by online, mobile, telephone banking, and an online small business loan application portal.

Product overview

Oregon Pacific Bank is a community bank offering a unified portfolio of banking products and services organized around three main segments: Business Banking (including business accounts, commercial lending, merchant services, treasury management, and government guaranteed lending), Personal Banking (including checking, savings, personal loans, and credit cards), and Trust & Wealth Management (including fiduciary services, estate planning, and SEC-registered investment advisory services through Oregon Pacific Wealth Management). Digital banking capabilities include online banking, mobile banking with mobile deposit, and an online loan application portal. The bank operates as a relationship-focused community bank headquartered in Florence, Oregon since 1979, serving communities across the state through six branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking Accounts Business checking and savings accounts offered to local Oregon business owners, including relationship banking services, merchant services, and treasury management capabilities. Includes free Online Banking access with every deposit account.
• Business Financing Solutions Commercial lending products for business clients including business loans, lines of credit, and commercial real estate financing, with flexible solutions tailored to local Oregon businesses.
• Merchant Services Payment processing solutions for businesses including credit card processing and merchant account services, integrated via the Converge payment processing platform, with seasonal growth tied to tourism in coastal Oregon communities.
• Treasury Management Treasury management services for business clients including ACH services, wire transfers, Remote Deposit Capture, Positive Pay fraud prevention, and business-to-business transactions.
• Online Banking Digital banking platform providing free access to checking and savings accounts with features including account viewing, fund transfers, external transfers, statement viewing, e-statements, Bill Pay, and Quicken/QuickBooks export capability.
• Mobile Banking App Mobile banking application for Android and iPhone enabling mobile access to view accounts, transfer funds, mobile deposit, Bill Pay, direct messaging, and debit card management for both personal and business users.
• Personal Banking Personal checking and savings accounts for individuals, including free digital banking access via online and mobile channels.
• Personal Loans Personal financing options for individual consumers, providing personal loans delivered through relationship banking.
• Business Credit Cards Credit card products designed for business clients, managed through the ServisFirst Card Management portal.
• Personal Credit Cards Credit card products for personal banking customers.
• Trust Services Fiduciary and estate administration services including trust administration, estate planning, trustee services, charitable trusts, scholarship trusts, and pet trusts. Trust Assets Under Management reached $297.7 million as of December 31, 2025 with trust fee income of $1.1 million in Q2 2025. Services expanded across Florence, Coos Bay, Medford, Eugene, and Roseburg.
• Oregon Pacific Wealth Management, LLC SEC-registered investment adviser and wholly owned subsidiary of Oregon Pacific Banking Co., offering wealth management solutions including personalized financial planning, investment management, and advisory services.
• Nonprofit Solutions Banking products and services designed specifically for nonprofit organizations, including donation support and loan financing for facility construction.
• Government Guaranteed Lending Specialized lending programs including SBA and other government guaranteed loans for businesses, with expertise concentrated in the Coos Bay and Roseburg branches.
• Banking On Call (Telephone Banking) Telephone banking service available at (888) 997-2255, allowing customers to check balances, view transaction history, make transfers, and access loan/CD information via automated phone menu.
• Oregon Pacific Loan Solutions (Online Loan Application) Online loan application system designed to streamline the small business loan application process, enabling businesses to apply for financing online.

Quantifiable outcome

• Grew total assets from $177 million to over $820 million from 2013 to 2026 under CEO Ron Green's leadership
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Matt BakercoreOthers · 11 March 2026Matt Baker joined as Executive Vice President and Chief Financial Officer, bringing over 20 years of community banking experience, most recently serving as CFO of a $650 million financial institution. He oversees accounting, finance, treasury, risk management, and regulatory compliance.
• David RicecoreOthers · 15 September 2025David Rice joined as EVP, Director of Trust & Wealth Management, bringing over 20 years of fiduciary leadership experience from U.S. Bank, Trust Point, and Resonant Capital Advisors. He oversees strategy and client experience of OPB's fiduciary and wealth management services.
• Eugene Family YMCAminorGTM or Marketing PartnerOPB made a $25,000 donation to support the Eugene Family YMCA's new facility construction and provided loan financing for the project. This partnership exemplifies OPB's community investment strategy.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• First Federal Savings Bank (Twin Falls/Idaho): First Federal Savings Bank is a community-oriented depository institution offering business and personal banking, lending, and wealth services. It is comparable to OPB in scale and community banking model, though operating in a different region.
• Lewis & Clark Bank: Lewis & Clark Bank is an Oregon community bank offering business banking, SBA lending, and commercial lending. Its Oregon footprint and SMB/community banking model make it a direct comparable to Oregon Pacific Bank.
• HomeStreet Bank: HomeStreet Bank is a Seattle-based Pacific Northwest community bank with commercial lending, business banking, and wealth management. Its community banking model and Pacific Northwest footprint are closely comparable to Oregon Pacific Bank.
• Banner Bank: Banner Bank is a Pacific Northwest community bank (WA/OR/ID/CA) offering business banking, commercial real estate lending, government guaranteed lending, treasury management, and wealth services. Comparable product mix and overlapping Oregon geography make it a direct peer.
• Citizens Bank (Oregon): Citizens Bank is an Oregon-based community bank with full-service business and personal banking, including commercial lending and SBA/government-guaranteed lending. It is a directly comparable Oregon-headquartered community banking competitor.
• Columbia State Bank (Columbia Banking System): Columbia State Bank is a Pacific Northwest community bank offering commercial lending, business banking, treasury management, and wealth services. Its geographic overlap and similar SMB/community banking focus make it a strong direct comparable for Oregon Pacific Bank.

Broad incumbents

• Umpqua Bank: Umpqua Bank is a Portland-based Pacific Northwest community/regional bank with significant Oregon footprint and a comparable mix of business banking, commercial lending, and wealth management. It is a relevant broader-scale incumbent competitor for OPB's Oregon market.
• Pacific Premier Bancorp: Pacific Premier Bancorp operates a Pacific coast community/commercial banking franchise offering business banking, treasury management, and wealth services. It is a relevant larger-scale incumbent comparable on business model, although with broader geography.

Regional players

• Trust Point Inc. Trust Point is a Midwest-based trust and wealth management firm where OPB's new Trust & Wealth Director David Rice previously served as Senior Fiduciary Officer. Comparable as a peer in the trust services business that OPB offers through its trust department and OPWM subsidiary.

Emerging players

• ServisFirst Bank: ServisFirst Bank is a Southeastern U.S. business-focused community bank offering commercial lending, treasury management, and business banking. It is comparable to OPB's commercial banking model and product mix, although operating in a different geography.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

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 Bank