# CAPITAL PACIFIC BANK
PORTLAND, OR · FDIC certificate 57562 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $252.8M | |
| Deposits | $224.9M | |
| Loans and leases | $202.7M | |
| Total equity | $26.1M | |
| Loans / deposits | 88.86% (p81 of band) | 71.50% |
| Liquid assets / assets | 17.06% (p14 of band) | |
| Uninsured deposits / deposits | 41.65% (p97 of band) | 13.21% |
| Brokered deposits | 7.95% | |
| Wholesale funding | 7.95% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.26% (p47 of band) | 10.45% |
| Unrealized securities loss / equity | 1.04% (p59 of band) | 0.49% |
| AOCI / equity | 1.08% (p46 of band) | |
| ROA (annualized) | 0.95% (p60 of band) | 0.81% |
| Net interest margin | 4.06% (p72 of band) | 3.66% |
| Efficiency ratio | 64.75% (p27 of band) | |
| Noncurrent loans | 0.45% (p38 of band) | 0.76% |
| Net charge-offs (annualized) | 0.08% (p62 of band) | |
| Reserve coverage of noncurrent | 312.75% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 23.32% (p60 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $3.9M (15% of equity) (p99 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 3 | capital falling, reserve under noncurrent |  |
| 2013-03 | 3 | wholesale funding >15% | capital falling |
| 2013-06 | 2 |  | wholesale funding >15% |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 1 |  | reserve under noncurrent, capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | brokered >10% |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |

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

- 2014-11-20 [Pacific Continental Bank acquires Capital Pacific for $42.4 million - OregonLive.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxObGotU2JON3M4MTVLUDFDQWZmRndCYV9iclFrZy02UXBRbWpSY3ItSWdRRmhHdHhZUG1vVXRXUERpTzBkTnhITVQwVWU4YVZPNVlFVzJGZjl4ZVpMY0I1V3RreG55dGZVUl81YXN1UGdpLXpEdVZTMS13ZlFUaDdxMXVR?oc=5) · OregonLive.com
- 2018-03-02 [Humble Roots and Bold Intentions - oregonbusiness.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE05OHAwRENIUmRSb2FpNWl5WkI5dlpNbnJzS2hZMDluOEVzM2NHeDZJUEc4NGhrZEdBVHIxVDhFWlRhNk0yQXlneFAzeEJMNTVxVDliN1RyZUhyZ3NkTW1HVW0zUXFCc3ZPSjVheUNuWFk2T3ZE?oc=5) · oregonbusiness.com
- 2014-12-19 [Faces of The List: Roger Busse, incoming CEO, Pacific Continental Bank - The Business Journals](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbmxGd0EtUjB4YlNqNHBPdnJuc0d1M1pvci0zaHV4OHZ2bS1wLS13NnVtTmM0Z3FfZFJmOE1ELTZhdkxBUGRocW9RY290S3daUzZnVEMtckt4cUdIZ090c2dBem50TkhKS0EwaGtnUnYzd1dZazBNZzZ5eXIyOU9WS3N3RFRaMVdlME5XNUVFRlRmQng0ZFpzV1ZKUmxvQi0wT3d2X0xiTkl0di1LSDVlTEJzRTktMFR2?oc=5) · The Business Journals
- 2015-12-18 [Pacific Continental Bank ready for big things in 2016 - Vancouver Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOLXNKUXgzOUdOMFRPc2dmSkg4cHhpZ042RU9RSmhyMGpvcUhmSXhCUkw3alBUcDlUM3M0Tzh0TzNBV1BpUHg0TklwMndCZnRrTDNFSWJDWERnZlFxVXR6Y2NoOUtCVWZQSjFLbnVyXzBkQmZOQXVtWHJkZTVBUDByNWdTektwSU9RWFRwOXJUcTFKSEQ5OUpjR2J6ZHUtdkNFWlhF0gGoAUFVX3lxTE1aZ1FpWjNWY0Z6R2dWUndMNk9UTlFDN2pBRWFYd1BQVWNpbHdCcGFZa0xSYTNJaVRUbFM1ZWtuWGloeWJXY0xIYVFlTWxISzA2eXJYTTV4T2JVbl9nSkJLWUMybWdDaUtQNDdrNTMtbUhKX1NmbzBpT1RUb1A4eEVKaWJzOTRodFNyREVNdEE4RWtTS25GeXBfSVA2cGdNQnVXY1ZXUjZodg?oc=5) · Vancouver Business Journal
- 2018-02-07 [Former Portland banking exec joins nonprofit lender - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOVc3blh2Q1lvb0RsbGV3aTVZLXoyMVBNOTBVb2ZQVThTVDZiYllXMVF6NTRlN092elBNWEk3VEpRY2EyMWZMRW1uSy00TnJmOTJ2R0ZEdFdhQ1RnY29WNVJIRHMzbG4wVkdUMy1lQVloS3BuUnJIM21mRGJYY2NFZHkwMzV4SUc3VXRZWENvMzFFUHhpVUNReGJCTTFhXzVnOF91Qw?oc=5) · The Business Journals
- 2017-11-15 [Business Movers: BPA taps Kim Thompson for energy efficiency vice president - OregonLive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPaDNGdlFjaHh5RnY3QjN2dmJ6d0xhT2Nlb3JlMEtNWUFiWGdrMWtONUFWTXdFMlZCZ0F1RlQ5R2JzVGJJOXUyaXR4d2hGVlpLY2ZEdF81QU9LbHUyQmFJdFJjRUpPeFphT09uXzBSa1lweHlnTHQ4MzZuSTkxenF3ZXlDOFQ2QQ?oc=5) · OregonLive.com
- 2019-03-14 [A bigger Umpqua Bank expands efforts to reach underserved communities - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTlpMMjZ0eXZORzlPUGJ3SHBlT0F2OU9QNUFUbXFmUzhTQVlnRnltZmpOQ2FnTzg4YXBKR3lUT1ppVE9nUFV3Vmt4djQtdnhTaFVNdHFELU1Vb1VkNWlvaWQ1ZWRDbmt3N05wVmxxTmxNNUFCbS1ieldaT1JHYi1PMzhsMUU3VkppSXNvVUtmOXlEZjE3YjFsX2dFM0tYaEJjNDhWQy1R?oc=5) · The Business Journals
- 2023-12-08 [Thomas Tomjack Obituary (2023) - Bend, OR - OregonLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQblM1eVlpOHVBck9LSjF1b05kdUNncFBQcXJkMVZOd0ZjSTVPVTNJVFFjRjBrdjdVYXB5Ym5SeGx5TVA1VmxSUFE5NUc4cnlYWHg4Y2tjZk1QWkVUYW9UUGx2Tmc0b0d6Z0gtVWNZOXd0NVRQVHdXN29mTEx2bWtqVXFjV2o2cEtOXzM1S3J6OVg5cnI2?oc=5) · OregonLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57562 (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/26.json (key "57562", 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