# CLATSOP COMMUNITY BANK
SEASIDE, OR · FDIC certificate 58660 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $98.3M | |
| Deposits | $86.3M | |
| Loans and leases | $60.7M | |
| Total equity | $11.9M | |
| Loans / deposits | 69.65% (p38 of band) | 76.50% |
| Liquid assets / assets | 32.92% (p56 of band) | |
| Uninsured deposits / deposits | 20.33% (p67 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.40% (p63 of band) | 11.35% |
| Unrealized securities loss / equity | -2.53% (p15 of band) | -0.33% |
| AOCI / equity | 1.38% (p57 of band) | |
| ROA (annualized) | 1.19% (p62 of band) | 0.99% |
| Net interest margin | 4.21% (p74 of band) | 3.80% |
| Efficiency ratio | 65.57% (p38 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 9.99% (p40 of band) | |
| Auto loans | $56,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | capital falling | losing money |
| 2011-12 | 1 |  | brokered >10%, expense ratio p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 | uninsured deposits leaving | capital falling |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |

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

- 2019-05-15 [Lewis & Clark Bank acquires Clatsop Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLUc3cndHOEVScGtVUGpON1VyS1p0M1g0QWJOLXhSX1hxM2pQdVQ5djY0UTk4YzlPTVd5cktyZTdhS3Q5TVZWS0VJb1NSbVlyZHVXeXdHZEltWGZsT3ZwQkN2aF9RVXhfS0FOLXpPZVlYNk5GTGY0cnNockZHUnA0SEdGVWg0dmtQd3BlU2tLRE9tcm5JdGduMmlVVWY2Ung2Ul9qZkZ1dVJ1dw?oc=5) · The Business Journals
- 2026-04-29 [Oregon enacts tax credit law to boost formation of de novo banks - S&P Global](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQdWVaeElCUjhXUzQwOXVrckRERTdZNDNnR0ZYWmJ0LVlRSFBOeXNYSURrb3JCM0RBTG9vX25Db2UtV3h0R1JYbFFmcmVkLV9RZ3Q0ellHV3F3cXh4emtmQkJBOEVqMi05MUp5c2lXRGJBTmFpX0NPY19kR1BZZzhPVmN1cEo3eHJwQ0ktdTJtV0kzWGM5S1hEVEdqZ1dLS2M2N2t0MlJwakdtMldZTHcybDdFZ0xjck50Zk5DbzhqNG1tdThzVFhhUU1QM1VqRHFrT21zZThhUkJPTGhZMnV4NUR4UnhRR3M?oc=5) · S&amp;P Global
- 2017-10-26 [No headline. - Seaside Signal](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9GMzZhNEJQZXJzbjVOdzFxZTlhdlVjOXE1MzdjT2UyRjJna292M2FDcklxalpuU0lfZmpaUUMwTUE3VnZFSWhodzhkNWFheHFBY0ZUU1lYOGZHVXNIZnJwNA?oc=5) · Seaside Signal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58660 (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/36.json (key "58660", 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