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
Unfavorable gap of $7.7M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.60% | 0.98% | 1.45% | Beats 10% | 528 / 585 | |
| Return on Equity | 1.37% | 5.86% | 9.54% | 12.76% | Beats 10% | 527 / 584 | |
| Net Interest Margin | 2.41% | 2.90% | 3.43% | 3.93% | Beats 8% | 536 / 584 | |
| Efficiency Ratio | 94.15% | 57.87% | 67.56% | 78.72% | Beats 9% | 533 / 584 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.38% | 1.05% | Beats 100% | 81 / 535 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.10% | Beats 100% | 111 / 535 | |
| Capital |
| Tier 1 Capital Ratio | 20.22% | 11.47% | 13.94% | 18.44% | Beats 79% | 122 / 584 | |
| Total Risk-Based Capital Ratio | 21.24% | 11.93% | 14.43% | 19.34% | Beats 80% | 118 / 584 | |
| Equity / Assets | 10.83% | 8.74% | 10.51% | 13.41% | Beats 54% | 267 / 584 | |
| Liquidity & Funding |
| Loans / Deposits | 59.11% | 63.70% | 78.89% | 91.92% | 20th pctl | 438 / 546 | |
| Loans / Assets | 42.38% | 55.77% | 68.46% | 77.90% | 8th pctl | 491 / 535 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 316 / 546 | |