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Banks and trust companies

Bank charters in Oregon

The division charters, regulates, and supervises banks and trust companies in the state in accordance with Oregon’s Bank Act.

The Office of the Comptroller of the Currency (OCC), an agency of the United States Department of the Treasury, charters, regulates, and supervises nationally chartered banks and trust companies doing business in Oregon. Banks and trust companies operating in Oregon with charters from other states are regulated by the state that issued the charter.

Application process:

Oregon Revised Statutes Chapter 707 outlines the application requirements for an Oregon bank or trust company charter.

The division reviews applications to determine whether:

  • The proposed institution’s application and articles of incorporation are consistent with the Bank Act.
  • Those named in the application have the character, financial responsibility, and general fitness to gain and hold the confidence of the community in which the institution intends to operate, and that they will honestly and efficiently conduct the affairs of the institution.
  • The proposed directors and officers are competent to successfully manage the institution.
  • The initial capital investment is adequate based on the proposed institution’s business plan.
  • There is reasonable assurance of sufficient volume of business for the proposed institution to be economically viable.

Before the division approves a bank charter, the proposed bank must receive approval for deposit insurance from the Federal Deposit Insurance Corporation.

The division will notify the applicants of approval or disapproval of the application within 60 days of receiving a completed application.

Application and forms:

​​​​​​​​TitleForm #FormsRev. Date
Application for authority to organize a state bank440-2208 PDF01/8/2016
Confidential biographical and financial report440-2070 PDF
Designation of registered agent and/or office440-4009 PDF01/8/2016
Public Records Request440-4871 PDF02/2022​​
Request for a certificate of name compliance440-4867 PDF
Special qualifications registration440-2042 PDF01/8/2016
Trust company application440-4008 PDF01/8/2016

Find FDIC-insured banks doing business in Oregon(opens in the FDIC website)

Trust Companies Authorized to Conduct Trust Business in Oregon


Banks and Trust Companies Program
Division of Financial Regulation

Additional resources

Request for a certificate of name compliance PDF 440-4867