Clackamas County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 26.85 percentage points in Q2 2026, from 289.57% to 316.42%. It was the largest change from Q1 2026 among the key lines here. Clackamas County Bank has the 3rd lowest loan-to-deposit ratio of the 12 banks headquartered in Oregon, at 67.96% as of Q2 2026. Clackamas County Bank reported 67.96% on loan-to-deposit ratio for Q2 2026, 12.87 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.4M |
| Net loans and leases | $154.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.69% |
| Loan-to-deposit ratio | 67.96% |
| Net loans to equity capital | 4.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.36% |
| Multifamily (5+ residential) | 30.05% |
| Commercial and industrial | 0.56% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 316.42% |
| Construction concentration (Tier 1 capital + allowance) | 22.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $142.8M | $235.0M | 46.83% | 0.70% | 0.46% |
| Q4 2023 | $144.2M | $224.8M | 44.87% | 0.69% | 0.51% |
| Q1 2024 | $151.3M | $231.2M | 44.27% | 0.67% | 0.42% |
| Q2 2024 | $153.9M | $231.5M | 43.31% | 0.63% | 0.40% |
| Q3 2024 | $153.2M | $231.5M | 42.81% | 0.79% | 0.42% |
| Q4 2024 | $151.3M | $225.9M | 42.46% | 0.76% | 0.42% |
| Q1 2025 | $152.4M | $233.5M | 42.01% | 0.68% | 0.38% |
| Q2 2025 | $151.1M | $229.5M | 42.98% | 0.64% | 0.38% |
| Q3 2025 | $148.1M | $233.4M | 45.31% | 0.62% | 0.35% |
| Q4 2025 | $146.8M | $226.5M | 46.08% | 0.59% | 0.38% |
| Q1 2026 | $148.2M | $226.9M | 45.90% | 0.65% | 0.34% |
| Q2 2026 | $156.4M | $230.1M | 45.36% | 0.56% | 0.32% |
Clackamas County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clackamas County Bank, freeSource: Call Report Schedule RC-C, 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)