# CLACKAMAS COUNTY BANK
SANDY, OR · FDIC certificate 9486 · asset band <$300M · latest filing 2026-06 · live

**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 | $266.4M | |
| Deposits | $230.1M | |
| Loans and leases | $156.4M | |
| Total equity | $31.4M | |
| Loans / deposits | 67.29% (p41 of band) | 73.59% |
| Liquid assets / assets | 38.21% (p60 of band) | |
| Uninsured deposits / deposits | 13.11% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.70% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.80% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -9.09% (p42 of band) | -6.57% |
| AOCI / equity | 0.54% (p95 of band) | |
| ROA (annualized) | 0.90% (p35 of band) | 1.17% |
| Net interest margin | 3.76% (p41 of band) | 3.93% |
| Efficiency ratio | 77.29% (p74 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 25.78% (p60 of band) | |
| Auto loans | $49,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 3 | capital falling, losing money |  |
| 2011-12 | 3 | charge-offs p90 | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent | capital falling, losing money, charge-offs p90 |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | capital falling | uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 | uninsured deposits leaving | capital falling |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 0 |  | assets shrinking, uninsured deposits leaving |

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

- 2025-11-04 [Election Day is Today for the November 4, 2025 Special Election - Clackamas County](https://news.google.com/rss/articles/CBMipgFBVV95cUxQWVpEeWhmbGhjd0t4T2dKSUpyT29oelVKMjNRLWtWZUZFVXF6RGw1SmJTMHlCdlJKNEZ1MVlmYnRJNjlCeHc3dUZsN1lPc1B6cjd2ZVBsU2ZmazdTR1Y3Q2dENDFqbExNX0ZwZi1aU2x5WVF3cG5wbHRlT193c2lGUkYxRWs0LWVjMXdPMFJXN2pOM1RPb0EwUmt3UnR1cEtiXzJGUGJ3?oc=5) · Clackamas County
- 2026-07-01 [Mt. Hood Hospice gets $41K after largest-ever fundraising month - Estacada News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQQWpQT1NOLWtkNDU0XzZTZUNfYWtlTWw1Y1pxbHJJRE5KdVhZNXZNVDVZcXFEWXQxbnV1ZzRqYlZfRnpPWXpUMDFuSHB3UWFWeVRkdi0wRG1uSXJST3JWZkJidzFMYUhzTGZyWnE2WXlVUTBoY0hzTWhjXzBDUTZZRl9IUU1VbC0xNHFTSE9WbGVPQjFGOTBRWTZRQ29tNXM?oc=5) · Estacada News
- 2026-04-29 [Clackamas County Elections Mails Ballots to 323,000 Voters - Clackamas County](https://news.google.com/rss/articles/CBMinwFBVV95cUxNb1ZSRWljNWs0a3J1bmVzdHluSS05emIwRzJSM0V3dFhwbDcySmd1VDJEN0hWRTkyUDRXT3JXMjd4dmt4QmdUZkVHYmtZUDRzQk44cGpfRms0SDRER255b055UUVIV2s0X2x6eV9BaXJ5STRJYWdranM5b2dZbmRWNzd0Rk5jc0YtWWJpWnE5NF9vWEZ5bW5fTVJQVHA2UFU?oc=5) · Clackamas County
- 2024-06-11 [Powerlist + Banks Keep Shedding Branches - oregonbusiness.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE5vbkxPVzBzNnNub3pYdXZKX3k3SS1ZSnpudV9xV3dKOTdZQnJUcENjVklTSU82dmFpX3M5ZlF0YmZkM0dZcFlZT1ZtUkE5djVEWk05bDh5X1BDTk1oOVU0eHhSY2RzWUM3S01wRTBPTWZGd1NC?oc=5) · oregonbusiness.com
- 2026-05-19 [Election Day is Today for the May 19, 2026 Primary Election - Clackamas County](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTUVOVFBoMEhydWcxSDNNQVZwd3pkekdxS29STzVNMEV3emZfX1hWSHd2dGwtZ2dPcUZQdm1yN3VzU3hVbkN0V1RQb0kwYmx6LUNYQTZ1RVQ3MXBRaHFtNUJjbVcxcDFGZzBYNW9QbTBscFR0WE0zT0Vya2FjSUVWZ05BVS1jeVB2MWo5TEdoeG9BQ3I5aGZIb2M4bnh3Wlk1?oc=5) · Clackamas County
- 2017-05-29 [Deputies: Two arrested after botched bank burglary in Boring - KATU](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVjdCSDhHQ0VrUDlpbWZUdXlHcTQ5OV96bWt1VDBlQjhjYXhuM2xtUGRMT3hTdk5jTmJqbDN2eGNlSDRDdElRYjNrU04tSm12MG15MXZ6ZjNNWTkwTzk4VTNJdDA5bUJOMktNRVBpcXdpT19LY0ZXZ0VnV29ndWxrbGthamhMMWNXdjhtRm1NOXI?oc=5) · KATU
- 2025-04-30 [Clackamas County Elections Mails Ballots to 319,750 Voters for the May 20, 2025 Special District Election - Clackamas County](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcGFRYTB5ODRBcmVyTEd6RlpGeHhKUE00ajZhTFNYNTdYNldCWmh2c0NGT0lRa3dnRzlVVm9Xeml6Ykc4eVUyTkluV1dRMUNSN1E4dGZpOXhXcXljaXlCdEx1YTBGeXJZUmFlRzVwdS1MNDFucTRWR2IyN2Zwa0d0MXlrVzlnOFF2d25uTG05NE9NR21JckxDZ01sSFl3bXM4Q0dtUHdsZnpFakQxWm9OQndiSVZhR18yX2FMOG9qNE5HTHpsVUFaTW1SdjVYMVN3MkhVeG85UlM4M0lV?oc=5) · Clackamas County
- 2025-10-29 [There Are Seven Days Left to Vote in the November 4, 2025 Special Election - Clackamas County](https://news.google.com/rss/articles/CBMitAFBVV95cUxOX0lzQUV0Zk1mam01U3dzd0Vaekw5V3p1YkFPQy1GNVVZZnJCVG1HN2tLcEtFbjgyYkVMdjZJZ1NaNEs0aWs0RW5qeUpqNzU2TWlfY2xHQjBVVW9zWERuMUNOeUF6MkZvblVGZVhJTS1BZG9seTViQ1ViUWdDRFNjMXNqTXVsWEpwcEFpeHpBRjh1cUszODdMWDZhOXBHY3Z3YThacEVrNjZhYzBjeGxyZjB2R3Y?oc=5) · Clackamas County

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9486 (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/14.json (key "9486", 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