| Metric | Clackamas County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.4M | $230.1M | $154.8M | $31.4M | $1.2M | 0.90% | 3.76% | 0.00% |
| Q1 2026 | $263.5M | $226.9M | $146.7M | $31.2M | $561K | 0.85% | 3.55% | 0.00% |
| Q4 2025 | $264.0M | $226.5M | $145.3M | $31.3M | $2.6M | 0.97% | 3.53% | 0.00% |
| Q3 2025 | $270.8M | $233.4M | $146.6M | $30.6M | $1.9M | 0.95% | 3.48% | 0.00% |
| Q2 2025 | $266.6M | $229.5M | $149.6M | $29.8M | $1.2M | 0.88% | 3.45% | 0.00% |
| Q1 2025 | $278.7M | $233.5M | $150.9M | $28.7M | $494K | 0.72% | 3.31% | 0.00% |
| Q4 2024 | $269.5M | $225.9M | $149.8M | $27.3M | $1.5M | 0.52% | 3.00% | 0.00% |
| Q3 2024 | $290.4M | $231.5M | $151.6M | $28.1M | $1.3M | 0.59% | 2.91% | 0.00% |
Loan mix (Q2 2026): real estate $155.7M · commercial $879K · consumer $503K · securities $61.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Clackamas County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 62.9% | 81th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Clackamas County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Clackamas County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Clackamas County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Clackamas County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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