Lewis & Clark Bank
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Data as of · sourced from FFIEC call reports. How we update
Lewis & Clark Bank is an FDIC-insured commercial bank headquartered in Oregon City, OR, established in 2006 (FDIC certificate 58428), and it is supervised by the FDIC. At Q3 2025 it reported total assets of $353.4M, down 4.7% from Q3 2024. Its CET1 capital ratio was 20.22% at Q3 2025, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58428
- Headquarters
- Oregon City, OR
- Established
- 2006
- Total assets, Q3 2025
- $353.4M
- Assets vs Q3 2024
- -4.7%
- CET1 ratio, Q3 2025
- 20.22%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 123206972
Lewis & Clark Bank spends more to run itself than most banks of its size. The Oregon City, Oregon bank had $353 million in assets at September 30, 2025, down 4.7% from a year earlier. It earns about $0.22 a year on every $100 of assets, a small fraction of the median of $1.20 for the 2,731 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 62 cents).
Net income for the quarter rose 13% from a year earlier, to $191,000. Over the same year, loans shrank 1.8% and deposits grew 2.3%. Its margin is thin by comparison: it keeps 2.39 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.82 cents).
As of September 30, 2025, Lewis & Clark Bank reported a CET1 capital ratio of 20.22%, a return on assets of 0.22%, 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.
From Q2 2025 to Q3 2025, its total assets rose 2.8% to $353.4M, loans rose 2.4% and deposits rose 3.7%. The largest part of its loan book on September 30, 2025 was non-owner-occupied commercial real estate loans, at 40.6% of total loans, ahead of owner-occupied commercial real estate loans at 21.8%. Its 3 offices in the FDIC Summary of Deposits are in Oregon City, OR, Astoria, OR and Seaside, OR; its Oregon City office books 60% of its branch deposits. On its Q3 2025 call report, Lewis & Clark Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15960 Agnes Ave, Oregon City, OR 97045
- 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
- December 15, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $253.4M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$75K
- Average total assets
- $346.5M
- Average total loans
- $147.5M
- Average interest-bearing deposits
- $181.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 2006
- FDIC Cert
- 58428
- Fed RSSD
- 3489071
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 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 Q3 2025, Lewis & Clark Bank's total assets ran between $342.2M (Q4 2024) and $390.7M (Q4 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q3 2025 with Q3 2024. How these charts are built
$353.4M total assets against $370.9M; $315.1M total liabilities against $333.2M.
$148.0M net loans and leases against $150.4M; $253.4M total deposits against $247.7M.
$134.5M securities against $139.0M; $44.1M cash and balances due against $57.3M.
$3.9M total interest income against $4.6M; $2.0M total interest expense against $2.1M.
$1.9M net interest income against $2.5M.
$432K total noninterest income against $375K; $2.1M total noninterest expense against $2.6M.
$0 provision for credit losses against $0.
$191K net income against $169K.
0.22% return on assets against 0.18%; 2.39% net interest margin against 2.79%.
20.22% CET1 capital ratio against 20.81%; 11.50% tier 1 leverage ratio against 10.99%.
Inside the full Lewis & Clark 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2025, its return on assets ran from 0.04% (Q1 2025) to 0.44% (Q4 2024) and its net interest margin ran from 2.39% (Q3 2025) to 2.79% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2025 | 20.22% | 0.22% | 0.00% | 0.00% | 2.39% |
| Q2 2025 | 20.74% | 0.18% | 0.74% | 2.78% | 2.53% |
| Q1 2025 | 19.95% | 0.04% | 0.72% | 2.88% | 2.46% |
| Q4 2024 | 21.17% | 0.44% | 0.03% | 0.10% | 2.58% |
| Q3 2024 | 20.81% | 0.18% | 0.07% | 0.24% | 2.79% |
| Q2 2024 | 20.00% | 0.06% | 0.05% | 0.07% | 2.50% |
| Q1 2024 | 20.32% | 0.14% | 0.01% | 0.04% | 2.50% |
| Q4 2023 | 20.78% | 0.23% | 0.01% | 0.05% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lewis & Clark Bank (main office) | Oregon City , OR | 97045 | $147.8M |
| Astoria Branch | Astoria , OR | 97103 | $49.1M |
| Seaside Branch | Seaside , OR | 97138 | $47.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| May 13, 2019 | Structure Change | Acquired Clatsop Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Mortgage lending (HMDA)
- 11 applications, 11 loans originated, $7.0M originated, across 2 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, Deposit market share, SBA 7(a) lending, 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 Lewis & Clark Bank
What are Lewis & Clark Bank's total assets?
As of the Q3 2025 filing, Lewis & Clark Bank reported total assets of $353.4 million in its FFIEC call report.
Where is Lewis & Clark Bank headquartered?
It is headquartered in Oregon City, OR, United States.
When was Lewis & Clark Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Lewis & Clark Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58428). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lewis & Clark Bank?
Lewis & Clark Bank's primary federal regulator is the FDIC.
What is Lewis & Clark Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.22% in its Q3 2025 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lewis & Clark Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lewis & Clark Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2025 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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