Clackamas County Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 3.85% against 3.48%. It was the largest change among the key lines on this page. Within Oregon, Clackamas County Bank is 9th of 12 on net interest margin, 3.85% as of Q2 2026, below the middle of the field. At 3.85%, Clackamas County Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 6.54% |
| Yield on securities | 1.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.84% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $504K |
| Interest expense on deposits | $504K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.44% | 0.78% | 2.73% | 5.72% | 1.18% |
| Q4 2023 | 3.61% | 1.06% | 2.63% | 5.97% | 1.20% |
| Q1 2024 | 3.73% | 1.11% | 2.71% | 5.98% | 1.19% |
| Q2 2024 | 3.84% | 1.17% | 2.76% | 6.08% | 1.19% |
| Q3 2024 | 3.99% | 1.24% | 2.84% | 6.23% | 1.16% |
| Q4 2024 | 4.10% | 1.12% | 3.07% | 6.21% | 1.14% |
| Q1 2025 | 4.13% | 0.97% | 3.22% | 6.09% | 1.16% |
| Q2 2025 | 4.26% | 0.93% | 3.40% | 6.22% | 1.15% |
| Q3 2025 | 4.25% | 0.86% | 3.46% | 6.28% | 1.14% |
| Q4 2025 | 4.29% | 0.89% | 3.49% | 6.29% | 1.11% |
| Q1 2026 | 4.28% | 0.88% | 3.48% | 6.20% | 1.23% |
| Q2 2026 | 4.62% | 0.84% | 3.85% | 6.54% | 1.26% |
Clackamas County Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clackamas County Bank, freeSource: Call Report Schedules RI and RC-K, 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)