Safest Banks in Oregon 2026
Oregon has 13 FDIC-insured banks with an average Bank Health Score of 69/100 (B). The safest bank is Clackamas County Bank with a score of 94/100.
Data from FDIC Q2 2024
13 Oregon banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Oregon's 13 FDIC-insured banks hold a combined $60.5B in assets. Their average Bank Health Score of 69/100 sits 1.0 points in line with the national average of 70/100. Across the state, 54% of banks earn an A or B grade for financial health, while 15% fall to a D or F.
The largest bank headquartered in Oregon is Umpqua Bank with $52.0B in assets and a Bank Health Score of 74/100. The strongest by score is Clackamas County Bank in Sandy (94/100, Tier 1 capital 21.93%). The weakest is Pacific West Bank at 40/100, dragged down by an NPL ratio of 0.33%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Oregon
Clackamas County Bank
Sandy, OR
Oregon's top-rated bank, with a Tier 1 capital ratio of 21.93% — well above the federal "well-capitalized" threshold of 8%. Holds $299M in assets.
First Fs&la of Mcminnville
Mcminnville, OR
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $641M in total assets.
Lewis&Clark Bank
Oregon City, OR
Third in the rankings on the Bank Health Score. Liquidity ratio of 42.97% and ROA of 0.11%.
Top 13 Banks in Oregon
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Clackamas County Bank | Sandy | A | 94 | 21.93% | 0.00% |
| 2 | First Fs&la of Mcminnville | Mcminnville | A | 93 | 20.29% | 0.00% |
| 3 | Lewis&Clark Bank | Oregon City | A | 92 | 20.00% | 0.05% |
| 4 | Oregon Pacific Bk DBA or Pac | Florence | A | 88 | 14.35% | 0.05% |
| 5 | Pioneer Trust Bank NA | Salem | A | 86 | 15.71% | 0.45% |
| 6 | Umpqua Bank | Roseburg | B | 74 | 10.82% | 0.41% |
| 7 | U S Bank Trust Co NA | Portland | B | 65 | 0.00% | 0.00% |
| 8 | Bank of Eastern Oregon | Heppner | C | 61 | 0.00% | 0.49% |
| 9 | Oregon Coast Bank | Newport | C | 54 | 0.00% | 0.81% |
| 10 | Willamette Valley Bank | Salem | C | 53 | 0.00% | 0.30% |
| 11 | Peoples Bank of Commerce | Medford | C | 52 | 0.00% | 0.19% |
| 12 | Evergreen Federal Bank | Grants Pass | D | 40 | 0.00% | 0.40% |
| 13 | Pacific West Bank | West Linn | D | 40 | 0.00% | 0.33% |
Bank Health Scores for Oregon are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Clackamas County Bank in Sandy is currently the safest bank in Oregon with a score of 94/100 (Grade A). It posts a Tier 1 capital ratio of 21.93% and a nonperforming loan ratio of 0.00%.
Oregon has 13 FDIC-insured banks with a combined $60.5B in total assets. The average Bank Health Score across the state is 69/100 (Grade B).
Oregon's average Bank Health Score of 69/100 is 1.0 points in line with the national average of 70/100. 54% of banks in Oregon earn an A or B grade, compared with the national average grade of B.
Of 13 FDIC-insured banks headquartered in Oregon, 5 earn an A, 2 a B, 4 a C, 2 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).