Clackamas County Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total risk-based capital ratio dropped 2.41 percentage points in Q2 2026, from 27.05% to 24.63%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Clackamas County Bank ranks first in Oregon on CET1 ratio among 6 banks, at 23.53%. Against a median of 15.07% for banks in the $100M-1B asset tier, Clackamas County Bank reported 23.53% on CET1 ratio in Q2 2026, 8.46 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.53% |
| Tier 1 risk-based capital ratio | 23.53% |
| Total risk-based capital ratio | 24.63% |
| Tier 1 leverage ratio | 12.80% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.2M |
| Tier 1 capital | $34.2M |
| Total risk-based capital | $35.8M |
| Total equity capital | $31.4M |
| Risk-weighted assets | $145.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
| Equity capital to average assets | 11.73% |
| Internal capital growth rate | 0.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $310K |
| Common stock surplus | $7.1M |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.71% | 22.71% | 23.73% | 11.24% | $146.5M |
| Q4 2023 | 22.53% | 22.53% | 23.56% | 11.41% | $147.7M |
| Q1 2024 | 22.17% | 22.17% | 23.19% | 11.40% | $151.0M |
| Q2 2024 | 21.93% | 21.93% | 22.94% | 11.30% | $153.1M |
| Q3 2024 | 23.99% | 23.99% | 25.10% | 11.41% | $140.9M |
| Q4 2024 | 23.48% | 23.48% | 24.58% | 11.90% | $143.4M |
| Q1 2025 | 24.11% | 24.11% | 25.25% | 12.50% | $140.5M |
| Q2 2025 | 23.93% | 23.93% | 25.04% | 12.36% | $142.6M |
| Q3 2025 | 25.38% | 25.38% | 26.55% | 12.68% | $135.1M |
| Q4 2025 | 25.04% | 25.04% | 26.20% | 12.61% | $136.9M |
| Q1 2026 | 25.84% | 25.84% | 27.05% | 12.96% | $132.2M |
| Q2 2026 | 23.53% | 23.53% | 24.63% | 12.80% | $145.5M |
Clackamas County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clackamas County Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clackamas County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9486) · FFIEC NIC profile (RSSD 641579)