# COMMERCE BANK OF OREGON
PORTLAND, OR · FDIC certificate 58223 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $79.3M | |
| Deposits | $65.1M | |
| Loans and leases | $45.6M | |
| Total equity | $13.5M | |
| Loans / deposits | 68.50% (p47 of band) | 70.43% |
| Liquid assets / assets | 42.00% (p64 of band) | |
| Uninsured deposits / deposits | 48.63% (p98 of band) | 13.33% |
| Brokered deposits | 0.57% | |
| Wholesale funding | 0.57% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.25% (p92 of band) | 10.49% |
| Unrealized securities loss / equity | -0.64% (p6 of band) | 1.32% |
| AOCI / equity | 0.26% (p39 of band) | |
| ROA (annualized) | -0.81% (p2 of band) | 0.80% |
| Net interest margin | 3.49% (p45 of band) | 3.57% |
| Efficiency ratio | 127.78% (p98 of band) | |
| Noncurrent loans | 0.93% (p55 of band) | 0.77% |
| Net charge-offs (annualized) | -0.35% (p2 of band) | |
| Reserve coverage of noncurrent | 229.15% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 8.21% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 1 |  | liquid assets <10% |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | liquid assets <10%, losing money |  |
| 2012-06 | 3 |  | losing money |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 3 | losing money, charge-offs p90 | liquid assets <10% |
| 2013-03 | 3 | expense ratio p90, reserve under noncurrent | losing money, charge-offs p90 |
| 2013-06 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 6 | liquid assets <10%, capital falling, deposits shrinking, assets shrinking |  |
| 2014-03 | 4 | uninsured deposits >50%, losing money | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2014-06 | 4 | charge-offs p90 | uninsured deposits >50% |
| 2014-09 | 4 | uninsured deposits >50% | charge-offs p90 |
| 2014-12 | 2 |  | capital falling, uninsured deposits >50% |
| 2015-03 | 2 |  |  |

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

- 2015-05-26 [Commerce Bank of Oregon merges with Commerce Bank of Washington - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQYTdHeTlqdzZIbEhVQmljUG1kSFZKbWM0LVFCdUpZNlBTWVdKeFlDMTJzVnpBNFVZdnpYVmlLcnFab1dBaHZmQXlwdGZjMGFIajNxRWkwaUkzU0xSQ1JOeXNuQW15eFRfOGtTS0xXak9ENTF5UjB6UERGbGhkRGhNS2wtZy1sd0JYeXdETkRUUzNNTUF2SUMxemp1UFEyMmVoMXc?oc=5) · The Business Journals
- 2025-04-16 [Zions Bancorporation selects nCino to power loan origination overhaul - fintechfutures.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNXBJNnlhcHUzYThLY2lDbDJHODZSa3ViVmtYRWtVUFNBWnk2WVNXWUZMUkdNTEJUYzktNXRNWDBnRV9GcDRVTVQzZ1c2OGF5SzFZRVFGcS1ZSV8zXzY1TnZ6Q1h1MWFuaWVzWVNISHV2eTFUdkFRdUd6elZ5YVJobm1udWtWcExGRkYxbnJpcE82eEhSek5SZDZIbG5feVg5Y1JNbHlfeXJLMFlDUHNkOGhFTG04V2tBbHhkSE8yaFZOdw?oc=5) · fintechfutures.com
- 2015-08-27 [Reset Time: Arts, Business Interface In Metro Portland - Oregon Public Broadcasting - OPB](https://news.google.com/rss/articles/CBMiekFVX3lxTE9ueGRkc0xRakYxUnpuQkRVVnoxUWRlWi1tUm9PeFJOcWN3aTdfdkVvM2xOTFJLRXlZYmdEWmNhUVV0UjRSSHhOTlY4SGZVSHZNMUIzUzJScXFBai1PX1Zma0swNFp0bVUydXFPMU94QmlsOThZaDRVLU9B?oc=5) · Oregon Public Broadcasting - OPB
- 2013-03-06 [Edward P. Schreiber To Join Zions Bancorporation As Chief Risk Officer - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNczNySzJWVTNkR0pud2I2elhhX1ptcUNvVlJwU2N2a2ZGcmJQc1MyUGlHUHVCU0ozaENIbzBCb28wd2c3MnJvOHUyU0JWRGZ5bjBBS1VHX2dfR0llaGw3THNqYTJkOE5wSEFvOWYzaEtONlQzRmNzVWp3akFHaEVCbGhVNU5aMnVpU3dWdEFlRFFLcEQ2MEdVVUpteDIwVDlMSFVfekhsUGdRRGVsUDE5b3F2V3EzRVFIel9ZalVxN1NqTTA?oc=5) · PR Newswire
- 2019-10-24 [Nevada State Bank to close 3 branches in Las Vegas area - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbEc2d3NKd2Y4MTBJRFlhVEhFWThDMjExbzZPY3k4Q2lFOFRRVmE0RW5Dd3pLMzBJcTRMQnVvVkJSeVZMVlBMUkhzYjVBWXk3V1U0VXpycU5YdDdmUkJKcFg3UGQ1Z2E0b2UxTWg5RUcwcjBSVzlYbEVMODJncnYzWlloRThHcEx4MkxnZzg1SkVWYWJfR1hydEFsZlB1VFFVTndxamJR?oc=5) · Las Vegas Review-Journal
- 2024-04-25 [Top Oregon Family Businesses to be Honored by OSU College of Business - The Corvallis Advocate](https://news.google.com/rss/articles/CBMiogFBVV95cUxQODlZQ3FuYktyMzV3UmF5c0hNYmVfU2Z1bGFnSmV3cFdqSVJ6T1dlaE5VRzcwQTl2ZHhmVkRoVVBNeW00R1YzMkFVaTg3WmxJa1Z1VE14Skg3LWtHSkFQNkFjdlpaUFFVcmZuZ3g0UURPNHl5dzRWYjNmVEh6Mm9zNjNnWDBOWk1JaWg3V3NqcFh5UWUwZDlKQ0ZqOGFycXpaZHc?oc=5) · The Corvallis Advocate
- 2024-04-04 [RV storage facility opens in north Surprise - yourvalley.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRUptQmtsajhUOU0tcFVyQ1JUcVJUeUFheDc2eTV6YnpqVmZVRzVDZ1ZKUzZHaUF0RWlFY1F2SzlRVU42V21BT3FLUzctNHE2WHR2UmM0YUpjTDcyVTlIekdHOFpoaTZPdXBMaHZnNURqRThIMmhJMGM0SlpYa3cwWjI4aHlkb0pvaFgyR0xGbmlNUzJkWERWRE00NDk0TDlTT0FIYXAzektMZw?oc=5) · yourvalley.net
- 2025-04-13 [Zions Bancorporation goes live on TCS Bancs core system - fintechfutures.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQ3lSdFRRZWhBVVFIMnREam90ZVotNXVZT3ZoVW1sQVhoWUxlRm92NjZXRG5UaGM2TnFVZ2xkZnJxSGtrN2l3ZEJoV1Y0Q29QckVySThhc0dSZ3dfUWtpVkFvTkh6OVhwOWpYNmhZcklnOUxYNUtGQ1Q4OWxfbWkxcXduX08tRE1qUkxwTEowVlRIakVId1NoVmNB?oc=5) · fintechfutures.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58223 (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/47.json (key "58223", 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