Earnings release
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Oregon Paci�c Bank is a wholly owned subsidiary of Oregon Paci�c Bancorp. Our stock is traded over the counter with the ticker symbol ORPB. CONSOLIDA TED ST A TEMENT OF CONDITION September 30, 2025
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Highlights: • Third quarter net income of $2.2 million; $0.31 per diluted share. • Quarterly deposit growth of $28.7 million. • Quarterly tax equivalent net interest margin of 3.88%, expansion of 0.03% over prior quarter . • Quarterly return on average assets of 1.06%. Florence, Ore., October 23, 2025 - Oregon Paci�c Bancorp (ORPB), the holding company of Oregon Paci�c Bank, today report- ed net income of $2.2 million, or $0.31 per diluted share, for the quarter ended September 30, 2025, compared to $2.0 million or $0.28 per diluted share for the quarter ended June 30, 2025. “We’re excited to announce our third quarter results, highlighted by robust deposit growth and stronger pro�tability, ” said Ron Green, President and CEO. “Our expanded net interest margin, along with disciplined management of noninterest expenses, have contributed to improved �nancial performance. As we navigate the current economic landscape, we believe the strength of our community bank model—anchored in local relationships and tailored service—is essential for delivering lasting value to our customers and shareholders. ” Period-end deposits expanded to $728.4 million, re�ecting quarterly growth of $28.7 million, or 16.65%. A portion of this increase was due to deposit activity related to a terminating trust activity in the bank’s trust department. T rust Assets Under Management (AUM) are typically invested in securities or real estate and do not appear on the bank’s balance sheet. However , depending on bene�ciaries’ cash requirements and the timing of �nal distributions, some trust assets may be held in cash. Currently, the cash portion of all trust client balances is held at Oregon Paci�c Bank and protected by FDIC insurance through IntraFi’s Insured Cash Sweep (ICS) product. These cash balances are included in the bank’s total interest-bearing demand deposits. As of September 30, 2025, the new terminating trust held $9.0 million in cash. These funds are expected to leave the bank’s balance sheet during the fourth quarter as the trust department completes �nal distributions. The bank’s third quarter net interest margin increased to 3.88%, up from 3.85% reported in the second quarter of 2025. The expansion was primarily attributable to an increase in the yield on loans and securities. Despite a 0.25% reduction in the prime rate, which occurred on September 18, 2025, the reduction in yield on variable loans and securities was more than o�set by the increase in yield due to new loan production or securities purchases. Quarterly loan production for new and renewed loans totaled $32.1 million, with a weighted average e�ective rate of 6.99% and a weighted-average repricing life of 1.86 years. During the third quarter , the bank’s securities portfolio increased by $19.7 million, bringing the total to $162.0 million. The bank purchased $22.1 million in securities during this period, with a weighted average life of 7.88 years and a weighted average yield of 4.89%. These purchases focused on low coupon mortgage-backed securities acquired at discounts, which carry a low risk of extension in a declining interest rate environment. This approach provides the bank with additional protection if rates fall. The purchases were prompted by higher liquidity, primarily resulting from quarterly deposit growth. Notably, this quarter marked the bank’s �rst securities purchases since the fourth quarter of 2022. For the third quarter , the provision for credit losses was $505 thousand, while the provision for unfunded commitments was $123 thousand. The increase in provisions was primarily driven by the quarterly update of the economic forecasts used in the bank’s allowance for credit losses model. Due to a less favorable outlook for unemployment and GDP , the model indicated that additional reserves were necessary. Classi�ed assets on September 30, 2025, re�ected an increase of $3.1 million from the second quarter of 2025, de�ned as loans and loan contingent liabilities internally graded substandard or worse, impaired loans, adversely classi�ed securities and other real estate owned. During the quarter there were three relationships that migrated to substandard, totaling approxi- mately $2.9 million. T wo of the relationships are operating businesses experiencing cash �ow challenges but are actively realigning expenses and revenues and are being monitored closely. One of the relationships is a $1.0 million asset-based line of credit that is appropriately margined with collateral and cash �ow is seasonally associated with the construction industry. The other relationship is a business term loan and owner-occupied commercial real estate totaling approximately $1.0 million and is experiencing challenges with closing down a satellite o�ce. Both relationships are being monitored closely with active plans for improvement, and no losses are anticipated. The third relationship is a nonowner-occupied real estate loan totaling approximately $900 thousand. The loan-to-value is strong at 63% but the property has experienced challenges with leasing a portion of the building. The property is expected to meet annual cash �ow coverage requirements by year-end. For the third quarter , noninterest income reached $2.2 million, re�ecting a $99 thousand increase compared to the previous quarter . The most signi�cant change was observed in merchant card services, driven by a seasonal uptick in tourism among the bank’s merchant clients in the coastal community of Florence, Oregon. In the third quarter of 2025, noninterest expense totaled $6.3 million, re�ecting a decrease of $177 thousand compared to the previous quarter . The most signi�cant change occurred in salaries and employee bene�ts, which declined by $151 thousand. This reduction was primarily driven by a $75 thousand decrease in the o�cer bonus accrual, following a true-up process that aligned the accrual with updated year-end payout projections. The bank also completed a true-up of its Health Reimbursement Account (HRA) during the quarter , as it continues to self-fund a portion of employees’ deductibles. With projected year-end utilization tracking below prior accrual levels, the quarterly accrual for the HRA was reduced by $39 thousand. In addition, the bank saw a decrease in outside services expenses, largely attributable to a change in its managed service provider e�ective June 30, 2025. During the second quarter , the bank incurred approximately $60 thousand in duplicated expenses to ensure uninterrupted service for clients and employees in preparation for the conversion. These duplicated services were discontinued as of June 30, resulting in cost savings on a linked quarter basis. Forward-Looking Statement Safe Harbor This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (“PSLRA ”). These statements can be identi�ed by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates, ” “targets, ” “expects, ” “estimates, ” “intends, ” “plans, ” “goals, ” “believes” and other similar expressions or future or conditional verbs such as “will, ” “should, ” “would” and “could. ” The forward-looking statements made represent Oregon Paci�c Bank’s current estimates, projections, expectations, plans or forecasts of its future results and revenues, including but not limited to statements about performance, loan or deposit growth, loan prepayments, investment purchases, investment yields, strategic focus, capital position, liquidity, credit quality, special asset liquidation, noninterest income, noninterest expense and credit quality trends. These statements are not guar- antees of future results or performance and involve certain risks, uncertainties and assumptions that are di�cult to predict and are often beyond Oregon Paci�c Bank’s control. Actual outcomes and results may di�er materially from those expressed in, or implied by, any of these forward-looking statements. Y ou should not place undue reliance on any forward-looking state- ment and should consider all of the following uncertainties and risks. Oregon Paci�c Bancorp undertakes no obligation to publicly revise or update any forward-looking statement to re�ect the impact of events or circumstances that arise after the date of this release. This statement is included for the express purpose of invoking the PSLRA ’s safe harbor provisions. Oregon Paci�c Bancorp Announces Third Quarter 2025 Earnings Results
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Florence, Ore., October 23, 2025 - Oregon Paci�c Bancorp (ORPB), the holding company of Oregon Paci�c Bank, today report- ed net income of $2.2 million, or $0.31 per diluted share, for the quarter ended September 30, 2025, compared to $2.0 million or $0.28 per diluted share for the quarter ended June 30, 2025. “We’re excited to announce our third quarter results, highlighted by robust deposit growth and stronger pro�tability, ” said Ron Green, President and CEO. “Our expanded net interest margin, along with disciplined management of noninterest expenses, have contributed to improved �nancial performance. As we navigate the current economic landscape, we believe the strength of our community bank model—anchored in local relationships and tailored service—is essential for delivering lasting value to our customers and shareholders. ” Period-end deposits expanded to $728.4 million, re�ecting quarterly growth of $28.7 million, or 16.65%. A portion of this increase was due to deposit activity related to a terminating trust activity in the bank’s trust department. T rust Assets Under Management (AUM) are typically invested in securities or real estate and do not appear on the bank’s balance sheet. However , depending on bene�ciaries’ cash requirements and the timing of �nal distributions, some trust assets may be held in cash. Currently, the cash portion of all trust client balances is held at Oregon Paci�c Bank and protected by FDIC insurance through IntraFi’s Insured Cash Sweep (ICS) product. These cash balances are included in the bank’s total interest-bearing demand deposits. As of September 30, 2025, the new terminating trust held $9.0 million in cash. These funds are expected to leave the bank’s balance sheet during the fourth quarter as the trust department completes �nal distributions. The bank’s third quarter net interest margin increased to 3.88%, up from 3.85% reported in the second quarter of 2025. The expansion was primarily attributable to an increase in the yield on loans and securities. Despite a 0.25% reduction in the prime rate, which occurred on September 18, 2025, the reduction in yield on variable loans and securities was more than o�set by the increase in yield due to new loan production or securities purchases. Quarterly loan production for new and renewed loans totaled $32.1 million, with a weighted average e�ective rate of 6.99% and a weighted-average repricing life of 1.86 years. During the third quarter , the bank’s securities portfolio increased by $19.7 million, bringing the total to $162.0 million. The bank purchased $22.1 million in securities during this period, with a weighted average life of 7.88 years and a weighted average yield of 4.89%. These purchases focused on low coupon mortgage-backed securities acquired at discounts, which carry a low risk of extension in a declining interest rate environment. This approach provides the bank with additional protection if rates fall. The purchases were prompted by higher liquidity, primarily resulting from quarterly deposit growth. Notably, this quarter marked the bank’s �rst securities purchases since the fourth quarter of 2022. For the third quarter , the provision for credit losses was $505 thousand, while the provision for unfunded commitments was $123 thousand. The increase in provisions was primarily driven by the quarterly update of the economic forecasts used in the bank’s allowance for credit losses model. Due to a less favorable outlook for unemployment and GDP , the model indicated that additional reserves were necessary. Classi�ed assets on September 30, 2025, re�ected an increase of $3.1 million from the second quarter of 2025, de�ned as loans and loan contingent liabilities internally graded substandard or worse, impaired loans, adversely classi�ed securities and other real estate owned. During the quarter there were three relationships that migrated to substandard, totaling approxi- mately $2.9 million. T wo of the relationships are operating businesses experiencing cash �ow challenges but are actively realigning expenses and revenues and are being monitored closely. One of the relationships is a $1.0 million asset-based line of credit that is appropriately margined with collateral and cash �ow is seasonally associated with the construction industry. The other relationship is a business term loan and owner-occupied commercial real estate totaling approximately $1.0 million and is experiencing challenges with closing down a satellite o�ce. Both relationships are being monitored closely with active plans for improvement, and no losses are anticipated. The third relationship is a nonowner-occupied real estate loan totaling approximately $900 thousand. The loan-to-value is strong at 63% but the property has experienced challenges with leasing a portion of the building. The property is expected to meet annual cash �ow coverage requirements by year-end. For the third quarter , noninterest income reached $2.2 million, re�ecting a $99 thousand increase compared to the previous quarter . The most signi�cant change was observed in merchant card services, driven by a seasonal uptick in tourism among the bank’s merchant clients in the coastal community of Florence, Oregon. In the third quarter of 2025, noninterest expense totaled $6.3 million, re�ecting a decrease of $177 thousand compared to the previous quarter . The most signi�cant change occurred in salaries and employee bene�ts, which declined by $151 thousand. This reduction was primarily driven by a $75 thousand decrease in the o�cer bonus accrual, following a true-up process that aligned the accrual with updated year-end payout projections. The bank also completed a true-up of its Health Reimbursement Account (HRA) during the quarter , as it continues to self-fund a portion of employees’ deductibles. With projected year-end utilization tracking below prior accrual levels, the quarterly accrual for the HRA was reduced by $39 thousand. In addition, the bank saw a decrease in outside services expenses, largely attributable to a change in its managed service provider e�ective June 30, 2025. During the second quarter , the bank incurred approximately $60 thousand in duplicated expenses to ensure uninterrupted service for clients and employees in preparation for the conversion. These duplicated services were discontinued as of June 30, resulting in cost savings on a linked quarter basis. Forward-Looking Statement Safe Harbor This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (“PSLRA ”). These statements can be identi�ed by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates, ” “targets, ” “expects, ” “estimates, ” “intends, ” “plans, ” “goals, ” “believes” and other similar expressions or future or conditional verbs such as “will, ” “should, ” “would” and “could. ” The forward-looking statements made represent Oregon Paci�c Bank’s current estimates, projections, expectations, plans or forecasts of its future results and revenues, including but not limited to statements about performance, loan or deposit growth, loan prepayments, investment purchases, investment yields, strategic focus, capital position, liquidity, credit quality, special asset liquidation, noninterest income, noninterest expense and credit quality trends. These statements are not guar- antees of future results or performance and involve certain risks, uncertainties and assumptions that are di�cult to predict and are often beyond Oregon Paci�c Bank’s control. Actual outcomes and results may di�er materially from those expressed in, or implied by, any of these forward-looking statements. Y ou should not place undue reliance on any forward-looking state- ment and should consider all of the following uncertainties and risks. Oregon Paci�c Bancorp undertakes no obligation to publicly revise or update any forward-looking statement to re�ect the impact of events or circumstances that arise after the date of this release. This statement is included for the express purpose of invoking the PSLRA ’s safe harbor provisions. (800) 997-7121 | (541) 997-7121 www.OregonPaci�cBank.comcontact@opbc.com
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September 30, June 30, September 30, 2025 2025 2024 ASSETS Cash and due from banks 9,713$ 11,156$ 12,437$ Interest bearing deposits 42,274 30,348 25,874 Securities 162,012 142,357 163,275 Loans, net of deferred fees and costs 594,695 591,795 565,492 Allowance for credit losses (7,891) (7,388) (7,400) Premises and equipment, net 13,156 13,187 13,444 Bank owned life insurance 10,388 10,304 9,071 Other real estate owned 157 157 - Deferred tax asset 4,271 4,636 4,754 Other assets 8,866 8,710 8,279 Total assets 837,641$ 805,262$ 795,226$ LIABILITIES Deposits Demand - non-interest bearing 167,010$ 162,426$ 156,296$ Demand - interest bearing 298,089 280,434 278,563 Money market 139,513 133,416 136,984 Savings 66,901 66,665 65,456 Certificates of deposit 46,882 46,799 40,288 Brokered deposits 10,001 10,001 18,001 Total deposits 728,396 699,741 695,588 FHLB borrowings 7,500 7,500 7,500 Junior subordinated debenture 4,124 4,124 4,124 Subordinated debenture 14,902 14,877 14,802 Other liabilities 8,280 7,857 8,612 Total liabilities 763,202 734,099 730,626 STOCKHOLDERS' EQUITY Common stock 21,809 21,732 21,491 Retained earnings 57,508 55,296 49,385 Accumulated other comprehensive income, net of tax (4,878) (5,865) (6,276) Total stockholders' equity 74,439 71,163 64,600 Total liabilities & stockholders' equity 837,641$ 805,262$ 795,226$ CONSOLIDATED BALANCE SHEETS Unaudited (dollars in thousands)
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September 30, September 30, September 30, September 30, 2025 2025 2024 2025 2024 INTEREST INCOME Loans 8,552$ 8,286$ 7,746$ 24,697$ 22,437$ Securities 1,353 1,262 1,477 3,895 4,531 Other interest income 500 199 314 959 736 Total interest income 10,405 9,747 9,537 29,551 27,704 INTEREST EXPENSE Deposits 2,377 2,228 2,452 6,911 6,665 Borrowed funds 308 325 319 938 1,027 Total interest expense 2,685 2,553 2,771 7,849 7,692 NET INTEREST INCOME 7,720 7,194 6,766 21,702 20,012 Provision for credit losses on loans 505 164 150 669 331 Provision (credit) for unfunded commitments 123 - 35 123 5 Net interest income after provision (credit) for credit losses 7,092 7,030 6,581 20,910 19,676 NONINTEREST INCOME Trust fee income 1,137 1,093 1,030 3,428 2,867 Service charges 394 390 371 1,157 1,079 Mortgage loan sales 1 1 39 9 132 Merchant card services 172 123 157 412 394 Oregon Pacific Wealth Management income 366 356 336 1,062 952 Other income 115 123 105 348 362 Total noninterest income 2,185 2,086 2,038 6,416 5,786 NONINTEREST EXPENSE Salaries and employee benefits 3,701 3,852 3,651 11,546 10,918 Outside services 709 791 669 2,202 2,026 Occupancy & equipment 533 490 511 1,539 1,499 Trust expense 686 678 615 2,109 1,867 Loan and collection, OREO expense 18 18 21 46 55 Advertising 102 124 88 318 239 Supplies and postage 70 65 75 206 222 Other operating expenses 494 472 528 1,536 1,588 Total noninterest expense 6,313 6,490 6,158 19,502 18,414 Income before taxes 2,964 2,626 2,461 7,824 7,048 Provision for income taxes 752 617 614 1,919 1,745 NET INCOME 2,212$ 2,009$ 1,847$ 5,905$ 5,303$ NINE MONTHS ENDEDTHREE MONTHS ENDED June 30, CONSOLIDATED STATEMENTS OF INCOME Unaudited (dollars in thousands, except per share data)
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3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter 2025 2025 2025 2024 2024 Earnings Interest income 10,405$ 9,747$ 9,399$ 9,599$ 9,537$ Interest expense 2,685 2,553 2,610 2,675 2,771 Net interest income 7,720$ 7,194$ 6,789$ 6,924$ 6,766$ Provision for credit losses on loans 505 164 - - 150 Provision (credit) for unfunded commitments 123 - - (30) 35 Noninterest income 2,185 2,086 2,143 2,155 2,038 Noninterest expense 6,313 6,490 6,698 6,147 6,158 Provision for income taxes 752 617 550 744 614 Net income 2,212$ 2,009$ 1,684$ 2,218$ 1,847$ Average shares outstanding 7,163,503 7,164,363 7,151,365 7,136,389 7,134,259 Average diluted shares outstanding 7,189,245 7,190,105 7,170,304 7,154,126 7,153,663 Period end shares outstanding 7,163,503 7,164,144 7,164,470 7,138,259 7,134,259 Period end diluted shares outstanding 7,189,245 7,189,886 7,190,212 7,155,996 7,153,663 Earnings per share 0.31$ 0.28$ 0.24$ 0.31$ 0.26$ Diluted earnings per share 0.31$ 0.28$ 0.23$ 0.31$ 0.26$ Performance Ratios Return on average assets 1.06% 1.02% 0.87% 1.12% 0.93% Return on average equity 12.58% 11.85% 10.42% 14.01% 12.12% Net interest margin - tax equivalent 3.88% 3.85% 3.67% 3.66% 3.59% Yield on loans 5.73% 5.65% 5.53% 5.55% 5.47% Yield on securities 3.45% 3.39% 3.41% 3.31% 3.48% Cost of deposits 1.31% 1.31% 1.36% 1.36% 1.41% Cost of interest-bearing liabilities 1.83% 1.86% 1.88% 1.89% 1.97% Efficiency ratio 63.73% 69.94% 75.24% 67.71% 70.20% Full-time equivalent employees 146 146 148 145 144 Capital Tier 1 capital 91,563$ 91,437$ 90,548$ 89,133$ 87,101$ Leverage ratio 10.99% 11.52% 11.40% 11.19% 10.96% Common equity tier 1 ratio 14.65% 14.82% 14.84% 14.86% 14.65% Tier 1 risk based ratio 14.65% 14.82% 14.84% 14.86% 14.65% Total risk based ratio 15.91% 16.07% 16.10% 16.11% 15.90% Book value per share 10.39$ 9.93$ 9.53$ 9.12$ 9.05$ Quarterly Highlights
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3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter 2025 2025 2025 2024 2024 Asset quality Allowance for credit losses (ACL) 7,891$ 7,388$ 7,400$ 7,400$ 7,400$ Nonperforming loans (NPLs) 495$ 495$ 801$ 798$ 278$ Nonperforming assets (NPAs) 652$ 652$ 801$ 798$ 278$ Classified Assets (1) 14,391$ 11,271$ 10,550$ 8,132$ 10,363$ Net loan charge offs (recoveries) 1$ 176$ -$ -$ -$ ACL as a percentage of net loans 1.33% 1.25% 1.27% 1.29% 1.31% ACL as a percentage of NPLs 1594.14% 1492.53% 923.85% 927.32% 2661.87% Net charge offs (recoveries) to average loans 0.00% 0.03% 0.00% 0.00% 0.00% Net NPLs as a percentage of total loans 0.08% 0.08% 0.14% 0.14% 0.05% Nonperforming assets as a percentage of total assets 0.08% 0.08% 0.10% 0.10% 0.03% Classified Asset Ratio (2) 14.47% 11.53% 10.77% 8.42% 10.97% Past due as a percentage of total loans 0.12% 0.08% 0.11% 0.06% 0.24% Off-balance sheet figures Unused credit commitments 108,753$ 103,063$ 94,843$ 98,616$ 99,229$ Trust assets under management (AUM) 281,281$ 288,935$ 267,359$ 271,046$ 267,061$ Oregon Pacific Wealth Management AUM 181,349$ 174,724$ 172,729$ 165,045$ 167,025$ End of period balances Total securities 162,012$ 142,357$ 145,610$ 155,258$ 163,275$ Total short term deposits 42,274$ 30,348$ 27,625$ 10,921$ 25,874$ Total loans net of allowance 586,804$ 584,407$ 575,539$ 564,165$ 558,092$ Total earning assets 800,930$ 766,445$ 758,119$ 739,677$ 756,571$ Total assets 837,641$ 805,262$ 797,628$ 776,448$ 795,226$ Total noninterest bearing deposits 167,010$ 162,426$ 153,956$ 141,719$ 156,296$ Total brokered deposits 10,001$ 10,001$ 10,001$ 10,001$ 18,001$ Total core deposits 718,395$ 689,740$ 685,314$ 666,616$ 677,587$ Total deposits 728,396$ 699,741$ 695,315$ 676,617$ 695,588$ Average balances Total securities 153,603$ 143,627$ 150,197$ 159,587$ 162,918$ Total short term deposits 44,423$ 18,044$ 23,766$ 23,654$ 22,887$ Total loans net of allowance 584,102$ 580,377$ 568,635$ 561,601$ 556,336$ Total earning assets 791,637$ 751,538$ 751,933$ 754,173$ 751,371$ Total assets 827,823$ 787,506$ 787,201$ 789,333$ 787,072$ Total noninterest bearing deposits 166,857$ 158,985$ 149,802$ 152,844$ 158,888$ Total brokered deposits 10,001$ 10,001$ 10,001$ 12,610$ 17,999$ Total core deposits 710,376$ 672,711$ 675,953$ 676,900$ 671,949$ Total deposits 720,377$ 682,712$ 685,954$ 689,510$ 689,948$ (2) Classified asset ratio is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government Quarterly Highlights adversely classified securities, and other real estate owned, divided by bank Tier 1 capital, plus the allowance for credit losses. (1) Classified assets is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government guarantees), adversely classified securities, and other real estate owned.
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ABOUT OPB OUR MISSIONOregon Paci/f_ic Bancorp is the holding company for Oregon Paci/f_ic Bank, a community bank deeply rooted in fostering meaningful relationships. With a dedicated focus on businesses and nonpro/f_its, we prioritize personalized service and swift, local decision-making. Our commitment lies in cultivating authentic connections and consistently surpassing expectations. At Oregon Paci/f_ic Bank, we pride ourselves on being adept problem solvers, keenly attuned to the aspirations and challenges of our clients. We /f_irmly believe that by empowering businesses and nonpro/f_its to /f_lourish, we contribute to the overall prosperity of our communities. Since our inception on December 17, 1979, we have steadily expanded our footprint, proudly offering banking services through our full-service branches strategically located in Coos Bay, Eugene, Florence, Medford, Portland, and Roseburg. T o create value for all we serve through the delivery of meaningful and relevant financial services. OUR VISION T o be the premier business-minded community bank whose value to the community, shareholders, clients, and employees comes from supporting business and nonprofit agencies through banking services, volunteer work, and philanthropy.
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Jon Thompson Board Chair Business Owner , Coast Broadcasting BOARD OF DIRECTORS Joe Benetti Business Owner , Benetti’s Italian Fine Foods Tim Campbell Partner and Owner of Campbell Commercial Real Estate Ron Green President, Chief Executive Officer of Oregon Pacific Bank Jason Hall CPA Partner at Hoffman, Stewart & Schmidt, PC (HSS) Kerrie Johnson Vice Chair Owner, Loan Originator at Blue-inc. Capital Bob Mans, OD Co-Owner of Florence Eye Clinic Angelique Whitlow Chief Financial Officer at Hunter-Davisson, Inc Robbie Wright General Manager and Founder , Hyak
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Ron Green President, Chief Executive Officer OUR EXECUTIVE TEAM James Atwood EVP , Chief Credit Officer Amber White EVP , Chief Financial Officer Lance Rudge EVP , Chief Operating Officer John Raleigh EVP , Chief Lending Officer LEADERSHIP Our culture continues to be based on how we create value for those we serve, with our promise to deliver in the best interest of our shareholders, our clients, our employees, and the communities we serve. David Rice EVP , Director of Trust & Wealth Management