Oregon Pacific Banking Company Dba Oregon Pacific Bank vs People's Bank Of Commerce
Comparing a Bank in Florence, OR with a Bank in Medford, OR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Oregon Pacific Banking Company Dba Oregon Pacific Bank ↗ Bank · Florence, OR · Est. 1979 | People's Bank Of Commerce ↗ Bank · Medford, OR · Est. 1998 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Florence, OR | Medford, OR |
| Total assets | $821.0M | $779.3M |
| Capital ratio | 10.6% | 14.5% |
| Return on assets | 1.3% | 1.4% |
| Deposits | $718.7M | $652.7M |
| Branches | 7 | 11 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 14 | #5 of 14 |
| Established | 1979 | 1998 |
Oregon Pacific Banking Company Dba Oregon Pacific Bank
- Assets: $821.0M
- Deposits: $718.7M
- Capital ratio: 10.6%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 14
People's Bank Of Commerce
- Assets: $779.3M
- Deposits: $652.7M
- Capital ratio: 14.5%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #5 of 14
Are both institutions federally insured?
Yes. Oregon Pacific Banking Company Dba Oregon Pacific Bank is FDIC-insured and People's Bank Of Commerce is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Oregon Pacific Banking Company Dba Oregon Pacific Bank or People's Bank Of Commerce?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Oregon Pacific Banking Company Dba Oregon Pacific Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Oregon Pacific Banking Company Dba Oregon Pacific Bank safe?
Yes — Oregon Pacific Banking Company Dba Oregon Pacific Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is People's Bank Of Commerce safe?
Yes — People's Bank Of Commerce is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Oregon Pacific Banking Company Dba Oregon Pacific Bank vs People's Bank Of Commerce?
Oregon Pacific Banking Company Dba Oregon Pacific Bank has a capital ratio of 10.6%, placing it in the top 43% of $100M–1B peers. People's Bank Of Commerce's ratio is 14.5%, placing it in the top 12% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Oregon Pacific Banking Company Dba Oregon Pacific Bank have compared to People's Bank Of Commerce?
The CFPB database shows 0 complaints against Oregon Pacific Banking Company Dba Oregon Pacific Bank, and 0 complaints against People's Bank Of Commerce. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Oregon Pacific Banking Company Dba Oregon Pacific Bank with other Banks in Oregon
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
