BlastPoint's Banking Scorecard

Clackamas County Bank

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

Sandy, OR

4 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in 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 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 21.73% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 15.6% in tier
- Liquidity Overhang: Bottom 29.8% in tier
- ROA 0.42% below tier average
- Net Interest Margin 0.38% below tier average
- Efficiency Ratio 12.60% above tier average

Get updates when Clackamas County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$263.5M -5.5% YoY -0.2% QoQ	-$122.6M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$146.7M -2.8% YoY +1.0% QoQ	-$109.0M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$226.9M -2.8% YoY +0.2% QoQ	-$101.0M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	0.85% +18.0% YoY -12.3% QoQ	-0.42%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.55% +7.4% YoY +0.8% QoQ	-0.38%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	77.89% -1.9% YoY +3.6% QoQ	+12.60%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	64.64% +0.0% YoY +0.8% QoQ	-12.00%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	43.75% -4.5% YoY +2.0% QoQ	+21.73%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Top 3.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	25.84% +7.2% YoY +3.2% QoQ	+10.01%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	Top 5.8% in tier
Non-Interest Income / Assets ?	0.18% +16.9% YoY -73.2% QoQ	-0.10%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Deposit Outflow

decline

#80 of 506 • Bottom 15.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Overhang

risk

#221 of 739 • Bottom 29.8% 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: 25.84%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 64.64%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.75%

Peer Median: 22.02%

#86 of 2664 Top 3.2% in $100M-$1B

155

Tier 1 Capital Ratio

capital

Value: 25.84%

Peer Median: 15.83%

#155 of 2664 Top 5.8% in $100M-$1B

460

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#460 of 2664 Top 17.2% in $100M-$1B

655

Loan-to-Deposit Ratio

liquidity

Value: 64.64%

Peer Median: 76.64%

#655 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2181

Efficiency Ratio

profitability

Value: 77.89%

Peer Median: 65.29%

#2181 of 2664 Bottom 18.2% in $100M-$1B