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Lewis & Clark Bank

Oregon City, OR · Cert 58428

FDIC · 3 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=535 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q3 2025peer median (50)

Asset Quality

100

Q2 2024Q3 2025peer median (50)

Profitability

9

Q2 2024Q3 2025peer median (50)

Liquidity

33

Q2 2024Q3 2025peer median

Efficiency

9

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lewis & Clark Bank

Oregon City, OR · Cert 58428

FDIC · 3 branches

Q3 2025

$353.4MAssets
$149.8MLoans
$253.4MDeposits
$38.3MEquity
Loan mix
88%RE $130.5M11%C&I $16.3M1%Consumer $2.1MQ3 2024Q3 2025
Deposit mix
74%Interest-bearing $186.8M26%Noninterest $66.6MQ3 2024Q3 2025

NIM

3.91%Q3 ’234.88%Q3 ’244.75%Q3 ’25+14%-3%

Non-interest income vs. expense

2.41%Q3 ’232.76%Q3 ’242.76%Q3 ’25+11%-5%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2025 SOD (annual) · 0.2% share · #22 of 29 inst. · $0.1B of $65.6B

1.5% Clackamas
10.9% Clatsop

Executive Summary

  • Earnings: ROA of 0.15%, up 2 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 11.50%, up 51 bps from a year ago.
  • Funding: loans stand at 59.11% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.15%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-8 bps YoY

Efficiency Ratio (YTD, annualized)

94.15%-76 bps YoY

Tier 1 Leverage Ratio

11.50%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.13%0.21%0.04%0.11%0.15%+2 bps
Return on Equity1.32%2.09%0.35%1.08%1.39%+7 bps
Net Interest Margin2.49%2.52%2.33%2.34%2.41%-8 bps
Efficiency Ratio94.91%94.04%99.31%95.81%94.15%-76 bps
Non-Interest Burden2.34%2.34%2.30%2.22%2.23%-11 bps
Growth
Asset Growth (YoY)-1.66%-12.40%3.72%-10.81%-4.72%-306 bps
Loan Growth (YoY)-3.72%-3.35%-2.31%-7.46%-1.82%+189 bps
Deposit Growth (YoY)-4.34%-11.62%11.48%-8.03%2.28%+661 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.03%0.72%0.74%0.00%-7 bps
Net Charge-Offs / Loans0.04%0.07%-0.01%-0.10%-0.07%-10 bps
Allowance / Loans1.39%1.15%1.13%1.23%1.20%-19 bps
Allowance Coverage of NPLs18.6x45.8x1.6x1.7xn/an/a
Capital
Tier 1 Leverage Ratio10.99%11.20%11.08%10.89%11.50%+51 bps
Total Risk-Based Capital21.98%22.18%20.91%21.79%21.24%-74 bps
Equity / Assets10.17%10.89%9.83%10.99%10.83%+66 bps
Liquidity & Funding
Loans / Deposits61.57%63.59%55.49%59.88%59.11%-247 bps
Liquid Assets / Assets13.99%6.53%11.74%6.63%8.39%-560 bps
CRE / Total Capitaln/an/an/an/a307%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lewis & Clark Bank

Oregon City, OR · Cert 58428 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 3 branches

Q3 2025

$353.4MAssets
$149.8MLoans
$253.4MDeposits
$38.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 535).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 536 of 584).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

0.15%

Rank 528 of 585

Net Interest Margin

2.41%

Rank 536 of 584

Efficiency Ratio

94.15%

Rank 533 of 584

Equity / Assets

10.83%

Rank 267 of 584

Non-interest income vs. expense

$1.8M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 9% of banks under $1B in assets
Bank 94.15%Peer median 67.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%0.60%0.98%1.45%Beats 10%528 / 585
Return on Equity1.37%5.86%9.54%12.76%Beats 10%527 / 584
Net Interest Margin2.41%2.90%3.43%3.93%Beats 8%536 / 584
Efficiency Ratio94.15%57.87%67.56%78.72%Beats 9%533 / 584
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.38%1.05%Beats 100%81 / 535
Net Charge-Offs / Loans0.00%0.00%0.02%0.10%Beats 100%111 / 535
Capital
Tier 1 Capital Ratio20.22%11.47%13.94%18.44%Beats 79%122 / 584
Total Risk-Based Capital Ratio21.24%11.93%14.43%19.34%Beats 80%118 / 584
Equity / Assets10.83%8.74%10.51%13.41%Beats 54%267 / 584
Liquidity & Funding
Loans / Deposits59.11%63.70%78.89%91.92%20th pctl438 / 546
Loans / Assets42.38%55.77%68.46%77.90%8th pctl491 / 535
Brokered Deposits / Deposits0.00%n/an/a4.01%Beats 100%316 / 546