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Overview / Commentary
1150 S. Roosevelt Drive, Suite 101
Seaside, OR 97138

CLATSOP COMMUNITY BANK is headquartered in Seaside and is the 25th largest bank in the state of Oregon. It is also the 5,518st largest bank in the nation. It was established in 2008 and as of December of 2013, it had grown to 16 employees at 2 locations. CLATSOP COMMUNITY BANK has a B+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. CLATSOP COMMUNITY BANK has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 CLATSOP COMMUNITY BANK had $813,000 in non-current loans and owned real-estate with $7.73 million in equity and loan loss allowances on hand to cover it. This gives CLATSOP COMMUNITY BANK a Texas Ratio of 10.52% 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 CLATSOP COMMUNITY BANK experienced no significant changes from 7.78% as of December 31, 2012 to 10.52% as of December 31, 2013, resulting in a negative change of 35.27%. This indicates that the balance sheet and financial strength for CLATSOP COMMUNITY BANK has had no significant changes in recent periods.

Deposit Growth


In the past year, CLATSOP COMMUNITY BANK has increased its total deposits by $5.86 million, resulting in 10.77% 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 CLATSOP COMMUNITY 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. CLATSOP COMMUNITY BANK has $68.59 million in assets with $7.73 million in equity, resulting in a capitalization level of 11.27%, which is excellent.

Institution Statistics

FDIC Certificate #58660
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$68.59 million
Loans$40.36 million
Deposits$60.30 million
Equity Capital$7.19 million
Loan Loss Allowance$540,000
Unbacked Noncurrent Loans$478,000
Real Estate Owned$335,000
Historic Data - December 2012
Assets$61.88 million
Equity Capital$7.21 million
Loan Loss Allowance$511,000
Unbacked Noncurrent Loans$478,000
Real Estate Owned$173,000
Profit Margin - Quarterly
Net Interest Margin4.06%
Return on Assets0.55%
Return on Equity5.08%
Interest Income$2.63 million

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Clatsop Community Bank1150 N. Roosevelt Drive, Suite 101Seaside, OR 97138
Astoria Branch988 Commercial StAstoria, OR 97103