FDIC Cert #9486 · Sandy, Oregon · Est. 1911

Clackamas County Bank - FDIC Bank Health Profile

A community-scale look at Clackamas County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$264M
Total assets
B
Health grade · Good
0.97%
Return on assets
25.0%
Tier 1 capital

Data updated July 2026

The verdict

Clackamas County Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 25.04% Tier 1, 0.97% ROA, 75% efficiency ratio.

#2,675
largest of 4,313 FDIC banks by assets
38th
percentile by asset size, nationally
25.04%
Tier 1 ratio - above the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 9486 · OR B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2226/4307
  • PHOTO-FINISH Bank of Winnfield &… · LA
  • TIER1-WELL 25.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Bank of Winnfield & Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Clackamas County Bank

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Winnfield &… · LA · …78/100Clackamas County Bank · OR ·…78/100M1 Bank · MO · near78/100Marion State Bank · LA · near78/100Stillman BancCorp N.A. · IL …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Clackamas County Bank · July 2026

What Clackamas County Bank's Call Report plate shows

Clackamas County Bank (FDIC Cert #9486) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,226 of 4,307. Tier 1 capital prints at 25.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $264M, 2,675th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Winnfield & Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Clackamas County Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Clackamas County Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Clackamas County Bank remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

How Clackamas County Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Clackamas County Bank's composite health score
Tier 1 Capital Ratio (25.04%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (75.16%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$264M

Total balance-sheet footings

Total Deposits

$227M

Customer-funded liabilities

Net Loans

$145M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 23.64% 25.04% 26.44%
Basel III capital ratios - Clackamas County Bank

Where Clackamas County Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Clackamas County Bank's score of 78/100 falls in the highlighted band.

Clackamas County Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 48th percentile higher than 48% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Clackamas County Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Clackamas County Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Clackamas County Bank's $264M falls in the highlighted band.

Safety ratios for Clackamas County Bank

Tier 1 capital ratio
Well-capitalized 10%

25.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
25.04%
Texas Ratio
0.00%
Equity Capital
$31M

What these ratios mean →

Profitability metrics: Clackamas County Bank

Return on Assets (ROA)
40th percentile nationally
0.97%
Return on Equity (ROE)
8.87%
Efficiency Ratio
75.16%

What these mean →

Income & expense at Clackamas County Bank

$11M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Clackamas County Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Clackamas County Bank on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($264M here), outside Oregon so the neighborhood is not state containment.

Bank of Salem $264M · AR PeopleFirst Bank $264M · IL The Commercial Bank $264M · SC Davis Trust Company $263M · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Clackamas County Bank (FDIC Cert #9486) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Clackamas County Bank Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Columbia BankRoseburg $66.8B A 1.00%
Summit BankEugene $1.3B A 1.17%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
Pioneer Trust Bank, National AssociationSalem $735M A 2.32%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%