Oregon Bancorp Stock Price, News & Analysis

Oregon Bancorp, Inc. (ORBN) is a financial holding company in the commercial banking industry. According to its public disclosures, Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon. The company’s common stock is quoted on the OTC Bulletin Board under the symbol ORBN, and it operates within the broader finance and insurance sector.

Willamette Valley Bank conducts commercial and retail banking activities through a network of full-service branches and specialized lending offices. The bank reports that it maintains four full-service branch locations in Salem, Keizer, Silverton, and Albany, Oregon. In addition to these branches, the bank operates Home Loan Centers that focus on residential mortgage activity. These Home Loan Centers are located in Oregon and Idaho, reflecting a regional footprint in the Pacific Northwest and nearby markets.

Business Focus and Operations

Oregon Bancorp, Inc., through Willamette Valley Bank, engages in traditional community banking activities. Its public financial reports describe a balance sheet that includes real estate loans, commercial loans, and other loans, as well as deposits such as noninterest-bearing demand deposits, interest-bearing demand deposits, savings and money market accounts, and certificates of deposit. These categories indicate that the company’s operations are centered on gathering deposits and extending loans across multiple loan types.

The company’s earnings releases reference net interest income, noninterest income, noninterest expense, and provisions for loan losses, which are standard components of a commercial bank’s income statement. Oregon Bancorp, Inc. also reports metrics such as net interest margin, return on average assets, and return on average equity, providing insight into profitability and balance sheet efficiency over time.

Community Banking Orientation

In its public statements, Oregon Bancorp, Inc. describes Willamette Valley Bank as a community bank. This characterization reflects a focus on serving local customers and businesses in its branch markets. The bank’s combination of commercial and retail banking activities, along with its Home Loan Centers, indicates an emphasis on both everyday banking services and residential mortgage lending within its operating areas in Oregon and Idaho.

The company’s communications also highlight that asset quality and capital levels remain strong, based on its reported financial results. While specific ratios may change from period to period, these disclosures emphasize the importance of credit quality and capital strength in the bank’s operations and risk management approach.

Dividends and Shareholder Returns

Oregon Bancorp, Inc. regularly reports on its quarterly cash dividends. The Board of Directors has repeatedly declared a quarterly dividend of $0.20 per share, with announcements specifying payment dates and record dates. These recurring dividend declarations, disclosed in multiple earnings and dividend press releases, indicate that cash dividends are an ongoing component of the company’s approach to returning capital to shareholders.

In addition to dividend information, the company provides data such as book value per common share in its balance sheet summaries. Book value per share offers investors a view of the company’s equity on a per-share basis, complementing earnings and return metrics in evaluating long-term performance.

Financial Reporting and Key Metrics

Oregon Bancorp, Inc. issues periodic financial updates that include consolidated balance sheets and consolidated statements of net income. These reports detail:

• Total assets, including cash and short-term investments, securities available-for-sale, loans available for sale, net loans, and property and other assets.
• Total liabilities, including multiple deposit categories, borrowings, and other liabilities.
• Shareholders’ equity and book value per common share.
• Interest income, interest expense, net interest income, provision for loan losses, noninterest income, noninterest expense, net income before income taxes, provision for income taxes, and net income after income taxes.

The company also discloses net income per common share (basic) for various reporting periods. These data points help investors and analysts understand the company’s profitability, funding mix, and loan and deposit composition over time.

Geographic Footprint

Based on its public descriptions, Oregon Bancorp, Inc. has a regional banking footprint centered in Oregon, with an extension into Idaho through its Home Loan Centers. The four full-service branches in Salem, Keizer, Silverton, and Albany, Oregon, provide local access to commercial and retail banking services. The Home Loan Centers in Oregon and Idaho focus on residential mortgage loan volume, which the company frequently references in its earnings discussions as a contributor to noninterest income and overall loan activity.

Position Within the Finance and Insurance Sector

Within the finance and insurance sector, Oregon Bancorp, Inc. is classified in the commercial banking industry. Its operations, as described in public releases, align with those of a community-oriented commercial bank that combines deposit gathering, lending, and mortgage-related activities. The company’s regular reporting of net interest margin, loan volumes, deposit trends, and quarterly dividends provides a consistent view of its role as a regional banking organization serving households and businesses in its markets.

FAQs about Oregon Bancorp, Inc. (ORBN)

• What does Oregon Bancorp, Inc. do?
  Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon. Through the bank, it conducts commercial and retail banking activities and operates Home Loan Centers that focus on residential mortgage lending.
• Where does Willamette Valley Bank operate?
  According to the company’s public disclosures, Willamette Valley Bank has four full-service branch locations in Salem, Keizer, Silverton, and Albany, Oregon. It also operates Home Loan Centers located in Oregon and Idaho.
• What industry is Oregon Bancorp, Inc. in?
  Oregon Bancorp, Inc. operates in the commercial banking industry within the broader finance and insurance sector. Its financial statements and disclosures reflect typical community banking activities, including deposits and various loan types.
• How does Oregon Bancorp, Inc. describe its banking model?
  The company describes Willamette Valley Bank as a community bank that conducts commercial and retail banking activities. Its financial reports reference real estate loans, commercial loans, other loans, and a range of deposit products, indicating a traditional community banking model.
• Does Oregon Bancorp, Inc. pay dividends?
  Yes. The Board of Directors has repeatedly declared a quarterly dividend of $0.20 per share, with specific payment and record dates disclosed in multiple press releases. These recurring dividends indicate that cash distributions to shareholders are part of the company’s capital management approach.
• What types of financial metrics does Oregon Bancorp, Inc. report?
  The company reports metrics such as net interest income, noninterest income, noninterest expense, provisions for loan losses, net income, net interest margin, return on average assets, return on average equity, and book value per common share.
• What loan categories does Willamette Valley Bank report?
  In its consolidated balance sheets, the company lists loans under categories such as real estate, commercial, and other loans, along with deferred fees and costs and a loan loss reserve, which together determine total net loans.
• What deposit products does Oregon Bancorp, Inc. report?
  The company’s balance sheet disclosures show deposits in several categories: noninterest-bearing demand deposits, interest-bearing demand deposits, savings and money market accounts, and certificates of deposit.