Clackamas County Bank
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Data as of · sourced from FFIEC call reports. How we update
Clackamas County Bank is an FDIC-insured commercial bank headquartered in Sandy, OR, established in 1911 (FDIC certificate 9486), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $266.4M, down 0.1% from Q2 2025, the 12th largest of 12 banks headquartered in Oregon. Its CET1 capital ratio was 23.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9486
- Headquarters
- Sandy, OR
- Established
- 1911
- Total assets, Q2 2026
- $266.4M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 23.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 123202183
- Latest call report
- Q2 2026, FFIEC 051 · Clackamas County Bank call report
- Holding company
- CCB FINANCIAL CORPORATION
- Asset rank in state
- 12th of 12 in Oregon
Clackamas County Bank, based in Sandy, Oregon, reported $266 million in assets at June 30, 2026. It pays an average of 0.84% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 3.2 times its capital, 2.6 times the median of 1.2 times for banks its size.
Net income for the quarter slipped 10% from a year earlier, to $627,000. Over the same year, loans grew 3.5% and deposits grew 0.2%. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Clackamas County Bank reported a CET1 capital ratio of 23.53%, a return on assets of 0.94%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Clackamas County Bank is the smallest of the 12 banks headquartered in Oregon. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $266.4M, loans rose 5.5% and deposits rose 1.4%. Non-owner-occupied commercial real estate loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 30.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OR; its Sandy office books 45% of its branch deposits. On its Q2 2026 call report, Clackamas County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 38975 Proctor Blvd, Sandy, OR 97055
- County
- Clackamas
- Metro Area
- Portland-Vancouver-Hillsboro, OR-WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 31, 1911
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $230.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $267.5M
- Average total loans
- $153.7M
- Average interest-bearing deposits
- $139.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9486
- Fed RSSD
- 641579
- Website
- www.clackamascountybank.com →
- Parent Holding Company
- CCB FINANCIAL CORPORATION (RSSD 1246690)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Clackamas County Bank's total assets ran between $263.5M (Q1 2026) and $299.1M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$266.4M total assets against $266.6M; $235.0M total liabilities against $236.8M.
$154.8M net loans and leases against $149.6M; $230.1M total deposits against $229.5M.
$61.3M securities against $79.0M; $40.5M cash and balances due against $27.8M.
$3.0M total interest income against $2.9M; $504K total interest expense against $585K.
$2.5M net interest income against $2.3M.
$442K total noninterest income against $423K; $2.3M total noninterest expense against $2.0M.
$10K provision for credit losses against $0.
$627K net income against $698K.
0.94% return on assets against 1.01%; 3.85% net interest margin against 3.40%.
23.53% CET1 capital ratio against 23.93%; 12.80% tier 1 leverage ratio against 12.36%.
Inside the full Clackamas County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Clackamas County Bank rankings
Its closest position to the top of a national ranking is 199 of 2,134, for CET1 ratio; its furthest is 3,496 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q4 2024) to 1.09% (Q3 2025) and its net interest margin ran from 2.84% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.53% | 0.94% | 0.00% | 0.00% | 3.85% |
| Q1 2026 | 25.84% | 0.85% | 0.00% | 0.00% | 3.48% |
| Q4 2025 | 25.04% | 1.01% | 0.00% | 0.00% | 3.49% |
| Q3 2025 | 25.38% | 1.09% | 0.00% | 0.00% | 3.46% |
| Q2 2025 | 23.93% | 1.01% | 0.00% | 0.00% | 3.40% |
| Q1 2025 | 24.11% | 0.73% | 0.00% | 0.00% | 3.22% |
| Q4 2024 | 23.48% | 0.26% | 0.00% | 0.00% | 3.07% |
| Q3 2024 | 23.99% | 0.64% | 0.00% | 0.00% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clackamas County Bank (main office) | Sandy , OR | 97055 | $103.0M |
| Boring Branch | Boring , OR | 97009 | $55.5M |
| Gresham Branch | Gresham , OR | 97030 | $42.7M |
| Hoodland Branch | Welches , OR | 97067 | $28.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OR, rank 28 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15 applications, 13 loans originated, $15.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Clackamas County Bank
What are Clackamas County Bank's total assets?
As of the Q2 2026 filing, Clackamas County Bank reported total assets of $266.4 million in its FFIEC call report.
Where is Clackamas County Bank headquartered?
It is headquartered in Sandy, OR, United States.
When was Clackamas County Bank founded?
It was established in 1911, per the FDIC institution directory.
Is Clackamas County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clackamas County Bank?
Clackamas County Bank's primary federal regulator is the FDIC.
What is Clackamas County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Clackamas County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clackamas County Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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