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Oregon Coast Bank OCB

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Oregon Coast Bank OCB Rates & Review August 2026

Q: How many branches does Oregon Coast Bank OCB operate?

Oregon Coast Bank OCB currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Oregon Coast Bank OCB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oregon Coast Bank OCB provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Oregon Coast Bank OCB rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Oregon Coast Bank OCB, and you can see how they compare in the Oregon Coast Bank OCB rate tables below. MonitorBankRates evaluates the financial stability of Oregon Coast Bank OCB with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.68%. Database rates last updated and verified on 08/30/2026.

Oregon Coast Bank OCB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Oregon Coast Bank OCB? Share your experience about Oregon Coast Bank OCB by leaving a review below, or read customer reviews before you decide to use Oregon Coast Bank OCB.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.68%

Excellent Higher than avg

Oregon Coast Bank

909 Se Bay Blvd
Newport, OR 97365

https://www.oregoncoastbank.com

Current Rate Availability

We're not currently displaying rates for Oregon Coast Bank OCB, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Oregon Coast Bank OCB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Oregon Coast Bank OCB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Oregon Coast Bank OCB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Oregon Coast Bank OCB

Bank Holding Company OREGON COAST BANCSHARES INC

Address 909 Se Bay Blvd, Newport, OR 97365 · Lincoln

Website https://www.oregoncoastbank.com

FDIC Certificate # 57373

Established 07/08/2002

FDIC Insurance Date 07/08/2002

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.68%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9335%

Return on Equity (ROE) 18.7000%

Non-Performing Loans (NPL) 0.64%

Total Assets $449,569,000

Total Deposits $409,946,000

Equity Capital $38,334,000

Net Income $4,016,000

Headquarters Newport

Total Branches and Offices 7

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Oregon Coast Bank OCB earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Oregon Coast Bank OCB

How many branches does Oregon Coast Bank OCB operate?

Oregon Coast Bank OCB currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Oregon Coast Bank OCB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oregon Coast Bank OCB provides members with tools to manage their accounts and build a solid financial history.

Does Oregon Coast Bank OCB offer online and mobile banking?

Most modern institutions like Oregon Coast Bank OCB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oregoncoastbank.com.