BlastPoint

BlastPoint's Banking Scorecard

Clackamas County Bank

$100M-$1B Specialty: Commercial OR FDIC cert 9486

Sandy, OR

4 branches across OR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in OR.
  • Deposits +0.2% year over year ($230.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.90%.
  • Efficiency ratio 77.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in OR
View $100M-$1B leaderboard (OR) →

Clackamas County Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Non-Interest-Bearing Deposit Share 21.71% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 26.7% in tier
  • - Liquidity Overhang: Bottom 38.8% in tier
  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.23% below tier average
  • - Efficiency Ratio 12.81% above tier average
Get updates when Clackamas County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $266.4M
-0.1% YoY +1.1% QoQ
-$120.2M $386.6M
+1.2% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $154.8M
+3.5% YoY +5.6% QoQ
-$103.5M $258.3M
+1.7% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $230.1M
+0.2% YoY +1.4% QoQ
-$96.7M $326.7M
+0.7% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.90%
+2.3% YoY +5.5% QoQ
-0.42% 1.32%
+10.8% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.76%
+9.0% YoY +5.9% QoQ
-0.23% 3.99%
+5.0% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 77.29%
+1.0% YoY -0.8% QoQ
+12.81% 64.48%
-3.2% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.29%
+3.2% YoY +4.1% QoQ
-10.66% 77.95%
+1.0% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 43.75%
-0.9% YoY -0.0% QoQ
+21.71% 22.03%
-0.6% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Top 3.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.53%
-1.7% YoY -8.9% QoQ
+7.62% 15.91%
+1.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
Top 8.4% in tier
Non-Interest Income / Assets ? 0.35%
+7.6% YoY +88.8% QoQ
-0.22% 0.57%
+7.6% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Noninterest-Bearing 43.7%
-0.4pp YoY
0.0pp QoQ
 +21.6pp 22.1% 23.6% 22.2% 97%
Brokered Deposits n/a n/a 7.9% 2.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 0.6%
-0.1pp YoY
-0.1pp QoQ
 -11.0pp 11.6% 11.0% 12.5% 2%
CRE 82.0%
+2.0pp YoY
+1.4pp QoQ
 +42.5pp 39.5% 62.1% 41.4% 98%
1-4 Family 18.1%
-1.7pp YoY
-1.3pp QoQ
 -14.5pp 32.6% 17.1% 31.3% 26%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 1.0% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
CET1 Ratio 23.5%
-0.4pp YoY
-2.3pp QoQ
 +4.7pp 18.8% 18.9% 19.7% 86%
Leverage Ratio 12.8%
+0.4pp YoY
-0.2pp QoQ
 +0.6pp 12.2% 12.5% 12.6% 73%
Total Capital Ratio 24.6%
-0.4pp YoY
-2.4pp QoQ
 +4.7pp 19.9% 20.0% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Full-Time Employees 46
-5 (-9.8%) YoY
-6 (-11.5%) QoQ
 -13 58 526 482 48%
Assets per Employee ($) $5.8M
+10.8% YoY
+14.3% QoQ
 -$1.7M $7.5M $7.4M $8.8M 29%
Branch Count 4
0 YoY
0 QoQ
 -1 4 35 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.38x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 7.6%
-0.8pp YoY
+0.4pp QoQ
 -4.6pp 12.2% 9.1% 11.6% 23%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.3% 1.7% 6%
Net Income ($, YTD) $1.2M
-0.3% YoY
— QoQ
 -$1.4M $2.6M $35.5M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#142 of 529 • Bottom 26.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.90%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Overhang

risk
#289 of 742 • Bottom 38.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.53%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 67.29%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
82
Non-Interest-Bearing Deposit Share
funding
Value: 43.75%
Peer Median: 22.03%
#82 of 2643 Top 3.1% in $100M-$1B
222
Tier 1 Capital Ratio
capital
Value: 23.53%
Peer Median: 15.91%
#222 of 2643 Top 8.4% in $100M-$1B
550
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#550 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (1 metrics)

2191
Efficiency Ratio
profitability
Value: 77.29%
Peer Median: 64.48%
#2191 of 2643 Bottom 17.1% in $100M-$1B
Powered by BlastPoint © 2026