Bank Safety Analysis
Lewis & Clark Bank: final safety record
BankRegReports is independent of Lewis & Clark Bank and never asks for online banking logins or passwords.
The standout move of Q3 2025 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.74 percentage points lower than in Q2 2025, at 0.00%. From Q4 2022 to Q3 2025, Lewis & Clark Bank's CET1 ratio ranged between 19.95% (Q1 2025) and 21.43% (Q4 2022) and its Texas ratio ranged between 0.00% (Q3 2025) and 2.88% (Q1 2025). Between Q3 2024 and Q3 2025, Lewis & Clark Bank's CET1 ratio fell from 20.81% to 20.22%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.07% to 0.00%, Texas ratio fell from 0.24% to 0.00% and return on assets rose from 0.18% to 0.22%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 20.22% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.50% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 90.5% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q3 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 20.22% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 59.11% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 215.28% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2025 | 20.22% |
| Q2 2025 | 20.74% |
| Q1 2025 | 19.95% |
| Q4 2024 | 21.17% |
| Q3 2024 | 20.81% |
| Q2 2024 | 20.00% |
| Q1 2024 | 20.32% |
| Q4 2023 | 20.78% |
| Q3 2023 | 20.15% |
| Q2 2023 | 20.01% |
| Q1 2023 | 21.24% |
| Q4 2022 | 21.43% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2025 | 0.00% |
| Q2 2025 | 2.78% |
| Q1 2025 | 2.88% |
| Q4 2024 | 0.10% |
| Q3 2024 | 0.24% |
| Q2 2024 | 0.07% |
| Q1 2024 | 0.04% |
| Q4 2023 | 0.05% |
| Q3 2023 | 0.04% |
| Q2 2023 | 0.00% |
| Q1 2023 | 0.00% |
| Q4 2022 | 0.00% |
Lewis & Clark Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Sep 30, 2025 | 20.22% | 0.00% | 0.00% | 0.22% |
| Jun 30, 2025 | 20.74% | 0.74% | 2.78% | 0.18% |
| Mar 31, 2025 | 19.95% | 0.72% | 2.88% | 0.04% |
| Dec 31, 2024 | 21.17% | 0.03% | 0.10% | 0.44% |
| Sep 30, 2024 | 20.81% | 0.07% | 0.24% | 0.18% |
| Jun 30, 2024 | 20.00% | 0.05% | 0.07% | 0.06% |
| Mar 31, 2024 | 20.32% | 0.01% | 0.04% | 0.14% |
| Dec 31, 2023 | 20.78% | 0.01% | 0.05% | 0.23% |
| Sep 30, 2023 | 20.15% | 0.01% | 0.04% | 0.40% |
| Jun 30, 2023 | 20.01% | 0.00% | 0.00% | -2.66% |
| Mar 31, 2023 | 21.24% | 0.00% | 0.00% | -0.05% |
| Dec 31, 2022 | 21.43% | 0.00% | 0.00% | 0.98% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58428) · FFIEC NIC profile (RSSD 3489071)
Explore: Full Lewis & Clark Bank profile · Other banks in OR · Metric glossary · How the call report works