BlastPoint's Banking Scorecard
Clackamas County Bank
Micro
Specialty: Commercial
OR
FDIC cert 9486
Designations: ✓ Community bank
Sandy, OR
2498
banks in Micro tier nationally
4 in OR
View Micro leaderboard (OR) →
Clackamas County Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 20.49% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 16.19% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$264.0M
-2.0% YoY
-2.5% QoQ
|
+$46.5M |
$217.5M
+2.3% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$145.3M
-3.0% YoY
-0.9% QoQ
|
+$6.1M |
$139.2M
+2.8% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$226.5M
+0.3% YoY
-3.0% QoQ
|
+$42.8M |
$183.7M
+1.8% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.97%
+88.0% YoY
+2.4% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.53%
+17.5% YoY
+1.3% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
75.16%
-7.1% YoY
-0.2% QoQ
|
+7.44% |
67.73%
-4.8% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
64.13%
-3.3% YoY
+2.1% QoQ
|
-10.40% |
74.53%
+0.5% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
42.88%
-3.4% YoY
-0.8% QoQ
|
+20.49% |
22.39%
-1.3% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
25.04%
+6.6% YoY
-1.3% QoQ
|
+16.19% |
8.85%
-3.4% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.69%
+11.4% YoY
+38.9% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.88%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.04%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.88% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.04% · Tier avg: 8.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.13% · Tier avg: 74.53%
66
66th pctile
Total Deposits
Current: $226.5M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $264.0M · Tier avg: $217.5M
59
59th pctile
Total Loans
Current: $145.3M · Tier avg: $139.2M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 75.16% · Tier avg: 67.73%
Top Weaknesses
28
28th pctile
Efficiency Ratio
Current: 75.16% · Tier avg: 67.73%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
59
59th pctile
Total Loans
Current: $145.3M · Tier avg: $139.2M
65
65th pctile
Total Assets
Current: $264.0M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $226.5M · Tier avg: $183.7M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.13% · Tier avg: 74.53%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.04% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.88% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%