Bank of Eastern Oregon
Heppner, Oregon, Morrow County
$934M in total assets, the 1,136th largest of 4,309 US banks and 4th of 14 headquartered in Oregon.
- FDIC certificate
- 16243
- Established
- 1945
- Owned by
- Beo Bcorp
- Primary regulator
- FDIC
- Website
- www.beobank.com
At a glance
Compared with 10 banks headquartered in Oregon with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $934M | 98% | $650M | |
| Loans | $684M | 98% | $408M | |
| Deposits | $815M | 98% | $557M | |
| Return on assets | 1.87% | 90% | 0.85% | |
| Net interest margin | 5.75% | 98% | 3.85% | |
| Efficiency ratio | 57.5% | 10% | 73.5% | |
| Equity to assets | 11.41% | 50% | 11.35% | |
| Loans to deposits | 84% | 50% | 79% |
Growth
Total assets grew 5.3% a year over the last 5 years and 10.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2023 | Farmington State Bank Farmington, WA | $16M |
| Feb 2015 | Bank Reale Pasco, WA | $38M |
Where they operate
22 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Morrow County, OR | $209M | 81.1% | 1 of 2 |
| Grant County, OR | $100M | 100.0% | 1 of 1 |
| Umatilla County, OR | $87M | 7.0% | 5 of 6 |
| Wallowa County, OR | $73M | 42.6% | 2 of 2 |
| Harney County, OR | $53M | 36.6% | 2 of 2 |
| Gilliam County, OR | $49M | 100.0% | 1 of 1 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (13 to 22, +69.2%). 9 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2017 | Opened Athena | 1 | 0 | +1 | 14 |
| 2019 | Opened 6 in 2 states | 6 | 0 | +6 | 20 |
| 2023 | Opened Caldwell | 1 | 0 | +1 | 21 |
| 2024 | Opened Pendleton | 1 | 0 | +1 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 33% | 3% | |
| Farmland | 26% | 3% | |
| Commercial real estate | 16% | 46% | |
| Business (C&I) | 13% | 8% | |
| 1-4 family residential | 4% | 20% | |
| Construction and land | 3% | 5% | |
| Multifamily | 2% | 15% | |
| Consumer | 1% | 1% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 67% | 60% | |
| Noninterest-bearing | 26% | 23% | |
| Time deposits | 6% | 17% |
Brokered deposits are 0.0% of deposits (peers 0.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.22% | 0.51% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 1.00% | 1.17% |
| Leverage ratio | 11.59% | 13.02% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oregon
Largest competitors in Morrow County, OR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/eastern-oregon