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Overview / Commentary
1900 Mcloughlin Blvd Ste 67
Oregon City, OR 97045

Lewis & Clark Bank is headquartered in Oregon City and is the 20th largest bank in the state of Oregon. It is also the 4,068th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 20 employees at 1 location. Lewis & Clark Bank has a A health rating.

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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 Lewis & Clark Bank had $2 million in non-current loans and owned real-estate with $17.21 million in equity and loan loss allowances on hand to cover it. This gives Lewis & Clark Bank a Texas Ratio of 11.59% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lewis & Clark Bank decreased dramatically from 22.61% as of March 31, 2013 to 11.59% as of March 31, 2014, resulting in a positive change of 48.73%.This indicates that the balance sheet and financial strength for Lewis & Clark Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Lewis & Clark Bank has increased its total deposits by $4 million, resulting in 3.77% 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 Lewis & Clark 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. Lewis & Clark Bank has $130.43 million in assets with $17.21 million in equity, resulting in a capitalization level of 13.19%, which is excellent.

Institution Statistics

FDIC Certificate #58428
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$130.43 million
Loans$103.48 million
Deposits$110.02 million
Equity Capital$15.41 million
Loan Loss Allowance$1.80 million
Unbacked Noncurrent Loans$899,000
Real Estate Owned$1.10 million
Historic Data - March 2013
Assets$120.75 million
Equity Capital$14.33 million
Loan Loss Allowance$1.67 million
Unbacked Noncurrent Loans$899,000
Real Estate Owned$1.67 million
Profit Margin - Quarterly
Net Interest Margin4.82%
Return on Assets0.76%
Return on Equity6.47%
Interest Income$1.65 million

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Lewis & Clark Bank Savings Account Rates

0.35%$250k-Personal Savings
0.35%$250k-Business Savings

Lewis & Clark Bank Money Market Rates

0.20%$100k-Personal Money Market
0.20%$100k-Business Money Market

Lewis & Clark Bank Checking Account Rates

0.15%$100k-Personal Interest Checking
0.15%$100k-Business Interest Checking

Lewis & Clark Bank CD Rates

1.20%$75k$250k60 Month CD
1.20%$75k$250kBusiness 60 Month CD
0.95%$75k$250k48 - 59 Month CD
0.95%$75k$250kBusiness 48 - 59 Month CD
0.80%$75k$250k36 - 47 Month CD
0.80%$75k$250kBusiness 36 - 47 Month CD
0.65%$75k$250k24 - 35 Month CD
0.65%$75k$250kBusiness 24 - 35 Month CD
0.60%$75k$250k18 - 23 Month CD
0.60%$75k$250kBusiness 18 - 23 Month CD
0.50%$75k$250k12 - 17 Month CD
0.50%$75k$250kBusiness 12 - 17 Month CD
0.40%$75k$250k6 - 11 Month CD
0.40%$75k$250kBusiness 6 - 11 Month CD

Lewis & Clark Bank IRA Rates

1.20%$75k$250k60 Month IRA
0.95%$75k$250k48 - 59 Month IRA
0.80%$75k$250k36 - 47 Month IRA
0.65%$75k$250k24 - 35 Month IRA
0.60%$75k$250k18 - 23 Month IRA
0.50%$75k$250k12 - 17 Month IRA
0.40%$75k$250k6 - 11 Month IRA

Lewis & Clark Bank Locations
Lewis & Clark Bank1900 Mcloughlin Blvd Ste 67Oregon City, OR 97045