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Overview / Commentary
38975 Proctor Blvd.
Sandy, OR 97055

Clackamas County Bank is headquartered in Sandy and is the 16st largest bank in the state of Oregon. It is also the 3,345th largest bank in the nation. It was established in 1911 and as of March of 2014, it had grown to 54 employees at 4 locations. Clackamas County Bank has a A+ health rating.

Reviews (1)

Heartless Institution

Clackamas bank foreclosed on my home in Portland when the mortgage payments were current, this was a float home and in addition to mortgage, I pay moorage fees, and I was 3 months behind in moorage rent and Clackamas advanced the money to the moorage without my knowledge, used the advance to file a foreclosure action, then after being ordered by Court to mediate in good faith for us to keep the home, they sent to mediation a woman who had no authority to negoitate to give them time to file the sheriffs sale. This bank is worse then a large national institution, larger banks at least most of the time have a heart, this bank borders on illegal, they already attempted in 2011 to sell the home without foreclosing first. I have been in a constant legal battle since 2011, the money they spent on attorneys to fight me keeping the home is 1000 times more then the $3,000 they advanced and used for a default to file foreclosure. My wife was in a near fatal motorcycle accident in august 2013, I have been battling kidney cancer since August 2012, but this bank does not care, they want our home, they have lied to the court about the equity and value and about having a buyer, don't do business of any kind with this bank


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Clackamas County Bank had $2.46 million in non-current loans and owned real-estate with $24.05 million in equity and loan loss allowances on hand to cover it. This gives Clackamas County Bank a Texas Ratio of 10.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Clackamas County Bank decreased dramatically from 22.36% as of March 31, 2013 to 10.22% as of March 31, 2014, resulting in a positive change of 54.30%.This indicates that the balance sheet and financial strength for Clackamas County Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Clackamas County Bank has increased its total deposits by $7.4 million, resulting in 5.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Clackamas County Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Clackamas County Bank has $174.75 million in assets with $24.05 million in equity, resulting in a capitalization level of 13.76%, which is excellent.

Institution Statistics

FDIC Certificate #9486
Year Established1911
Primary RegulatorFDIC
Assets and Liabilities
Assets$174.75 million
Loans$97.39 million
Deposits$142.98 million
Equity Capital$22.23 million
Loan Loss Allowance$1.82 million
Unbacked Noncurrent Loans$11,000
Real Estate Owned$2.45 million
Historic Data - March 2013
Assets$169.82 million
Equity Capital$23.44 million
Loan Loss Allowance$2.06 million
Unbacked Noncurrent Loans$11,000
Real Estate Owned$3.79 million
Profit Margin - Quarterly
Return on Assets0.9%
Return on Equity7.03%
Interest Income$1.75 million

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Clackamas County Bank Locations
Gresham Branch2482 East BurnsideGresham, OR 97030
Boring Branch28500 S.E. Highway 212Boring, OR 97009
Clackamas County Bank38975 Proctor Blvd.Sandy, OR 97055
Hoodland Branch67430 E. Highway 26Welches, OR 97067