Lewis&Clark Bank
Oregon City, Oregon · FDIC Cert #58428
Lewis&Clark Bank is an FDIC-insured bank (Certificate #58428) with $385M in total assets and $266M in total deposits as of the Q2 2024 Call Report. Headquartered in Oregon City, Oregon, the bank maintains a Tier 1 capital ratio of 20.00% (Well-Capitalized) and a nonperforming loan ratio of 0.05%. BankHealthData assigns a composite Health Grade of A (92/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lewis&Clark Bank (FDIC cert 58428) is a community bank — $385M in total assets, $266M in deposits, serving the Oregon City, Oregon area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.00% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.05% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 43.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.11% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Lewis&Clark Bank carries a composite BankHealth grade of A (92/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Lewis&Clark Bank
- Total Assets
- $385M
- Total Deposits
- $266M
- Tier 1 Capital Ratio
- 20.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.05%
- Liquidity Ratio
- 42.97%
- Return on Assets
- 0.11%
- Headquarters
- Oregon City, Oregon
- FDIC Certificate
- #58428
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lewis&Clark Bank holds a Tier 1 capital ratio of 20.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lewis&Clark Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lewis&Clark Bank shows strong financial health indicators. With $385M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Lewis&Clark Bank Compares
Lewis&Clark Bank’s Health Score of 92 is 23 points above the Oregon state average of 69 across 13 FDIC-insured banks. Its 20.00% Tier 1 capital ratio is 6.0 points above the US banking industry average near 14%. The 0.05% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.11% is below the national ROA benchmark of ~1.1%. Among 1548 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Lewis&Clark Bank is 22 points above the portfolio average of 70.
Frequently Asked Questions
Lewis&Clark Bank has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 20.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Lewis&Clark Bank's Tier 1 capital ratio of 20.00% and nonperforming loan ratio of 0.05% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Lewis&Clark Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58428). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Lewis&Clark Bank holds $385M in total assets and $266M in total deposits. It is headquartered in Oregon City, Oregon (FDIC Certificate #58428).
Lewis&Clark Bank has a Tier 1 capital ratio of 20.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.05%, and the return on assets is 0.11%.
Yes. Lewis&Clark Bank is FDIC-insured (Certificate #58428). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lewis&Clark Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.