# WEST COAST BANK
LAKE OSWEGO, OR · FDIC certificate 2345 · asset band $1-10B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.41B | |
| Deposits | $1.89B | |
| Loans and leases | $1.49B | |
| Total equity | $374.6M | |
| Loans / deposits | 77.50% (p49 of band) | 77.83% |
| Liquid assets / assets | 34.73% (p66 of band) | |
| Uninsured deposits / deposits | 11.83% (p24 of band) | 20.86% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 5.42% (p38 of band) | |
| FHLB advances / assets | 5.30% | |
| Tier 1 leverage | 15.28% (p95 of band) | 9.62% |
| Unrealized securities loss / equity | 3.04% (p50 of band) | 3.09% |
| AOCI / equity | -0.69% (p22 of band) | |
| ROA (annualized) | 0.05% (p6 of band) | 0.87% |
| Net interest margin | 3.66% (p61 of band) | 3.49% |
| Efficiency ratio | 98.68% (p96 of band) | |
| Noncurrent loans | 1.62% (p54 of band) | 1.52% |
| Net charge-offs (annualized) | 0.31% (p77 of band) | |
| Reserve coverage of noncurrent | 112.88% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 12.86% (p26 of band) | |
| Auto loans | $342,000 (0.02% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 576 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-10-14 [Biz ‘Bite:’ U.S. Bank to buy Japanese-owned West Coast bank - Idaho Business Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZkQzMmkyS1NwRTZxczFScGJ2V1lvYkk5ZmJmVDd5b2V2amdoNXJjcUhLY0UxdFY4OFBwZHpjOUJKREJXUUx4NXBWSHlWb0NURmFpdklmTnl0RTVzNjIwMWRDR19OcFpUTXZMTjNoRkNIZlEzb0x6cTc2aWw1bGpLVlV2Ti1sWE1hNTh0aEZMWWlTZHNNV1pWUTNGcGt3dHJJ?oc=5) · Idaho Business Review
- 2012-09-26 [Columbia Bank System to acquire West Coast Bancorp - KATU](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMURjS2xoUURpa21yc3hSSk51ZHdHTGxQdFJFNXlJQklMWTd6Slc0ZzlheGhqeUlaMjJDcGVNNzZ4X0VxVnV2Y0RMRUxlRU1ha2daaGFTdU1NUWRqYUIwWGhxSkpTeExVVTFiVHdfUXpmbm1mVkxuVV9NWWV6VXVMU2J1bEg?oc=5) · KATU
- 2021-10-12 [Umpqua, Columbia merging to create $50 billion-asset West Coast bank - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeURoY2wyZm45cnhlbFZQZXVrQkswVzdHQkdzQXhTWmdwN0lGTWdXVGY5c1RpeWRIM2paYnpxa1VQQnE1TFNKc0laNUtRT2xXc2lsbTNoclY3NjFXVlhWc0hlajNHZHFjM0QzQ1d4RjEyUTFmM2QyVS1aOEhTUjJreWw4TVZEREhDNWc4Sk43Z003VjB1U0hMLXkzbnNDeTBCb2tISw?oc=5) · American Banker
- 2024-10-31 [Federal grand jury indicts 11 in West Coast bank robbery spree - Courthouse News](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQVZ5QUxiVUNNeVdJbWUzTDczbGgxOC1sbUdNZk80VXFaMjNlQ0NwR3JxeTRpUXZhSzZac0JDMWZFLVlmcWJlRVJfM21FdzRiM1RkOWRpV0hLaWZwUG4wVmZoXzBVM2NUb2lDME9MbkV6cDF4SE8xN3FDelBYd0htb2w1bUJmeERGdTdLSFhJYTRiZ3NMdEJCaVRR?oc=5) · Courthouse News
- 2024-10-31 [Federal grand jury indicts 11 foreign nationals in West Coast bank heist spree - krcrtv.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaW5Wc2lJMEhITEc4ckVxX1pwWjFQUjZvWnlVeGZaQkVPRmFoc2xQWmdhdmR4NlVJNlc3NVE3Mkxjem8zM0JWV3hLMzRBYTBJWkJocTU1ZmJPX1ZidTRteVg2bzZjQkY4NDZDak9BUkptNmdjcDRCWWxVcTJXaENBRnBsMUdqaHI3TjkzTjVSam5FbkhPT0VadFJfdVRxUDFrb3VtbkhuVHNlcl8w?oc=5) · krcrtv.com
- 2022-09-21 [DOJ Quietly OKs West Coast Bank Merger, With Branch Sales - Law360](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZFh5cmRhV3NNTHdXemVESjlZcE0tTXR0Vjk5S296YldPVjhSbThnX1ZjckFJNW5IVUtPczZRaDFBSEpPU1RvcHBxQWFxb2o5VHliQ0NrS0hUZDhHZUdyWTJiMHY3bnhSSlJQVDJZWmR6b0k1TUpDRVFPV0VaSVJxUDlXUWZ6YWc0T0RNOWYyVllqY2tpbFpWVGxCbU3SAVZBVV95cUxPOU9lRHR1OU1fcmhDcWk0eE05aUpUOS1ZOUZtbDdBVFo1Uk9VMVc4aVFNZzE4dFpURUg1S1pyRDRqTi13ak5HckQ4T0wtVmk0YVRITmp4UQ?oc=5) · Law360
- 2018-12-11 [Remembering the Woodburn bank bombing, 10 years later - Statesman Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxOM0NPMUstTlpYaVdkb3lVaXJXWi0zWnM5TjUwUE9pTERmNWJJTnZtQVJxOXo2RVdMdFFqVXktTllTVEtmOUV0cXFCMFVfREZuel9hVVY2VGRCYUFCazg0bUhuWHZVOUQ0WGVyN09lRGtaVHdUclhtUWM2SXlHb1I3cjdJU1BLRi1RMzNxVFhXN3paanFCMWI3dGVIUzRaeXIwZGx4ZWlOLTRidWg5cUhZbWZSWVVIMGx4azljYVdR?oc=5) · Statesman Journal
- 2024-10-31 [FBI arrests group for string of West Coast bank robberies, including in Sacramento region - CBS News](https://news.google.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?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2345 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "2345", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide