Bank of the Cascades


1100 Nw Wall Street
Bend, OR 97701
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Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.77% →
2-Year CD N.A. 5.35% →
5-Year CD N.A. 5.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Bank of the Cascades is an FDIC insured institution located in Bend, OR. It was founded in 0000 and has approximately $3.33 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 22407
Date Established 0000
Assets $ 3.13 billion
Loans $ 2.06 billion
Deposits $ 2.75 billion
Capital $ 518.05 million

For a more detailed analysis of Bank of the Cascades's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 3, 2023

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of The Cascades, but see these great savings and CD rates:

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Loan Rates - October 3, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of the Cascades

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
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District Lending
NMLS ID: 598623
7.212% 7.125%
0.63 points
$2,800 fees
$2,156 Learn More
CrossCountry Mortgage, LLC
NMLS ID: 3029

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NMLS ID: Not a Lender

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NMLS ID: Not a Lender

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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

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Financial Details

Bank of the Cascades Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of the Cascades. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of the Cascades U.S. Bank Average
0.84% 3.82%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2023, Bank of the Cascades had $3,210,000 in non-current loans and $1,131,000 in owned real estate. To cover these potential losses it had $518,047,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0.84%.

Return on Equity
Bank of the Cascades U.S. Bank Average
8.1% 13.18%

Bank of the Cascades has a Return on Equity of 8.1% versus the BestCashCow average of 13.18%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of the Cascades U.S. Bank Average
16.56% 10.43%

Bank of the Cascades has a Capitalization of 16.56% versus the BestCashCow average of 10.43. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of the Cascades Balance Sheet Analysis

As of June 30, 2017, Bank of the Cascades had assets of $3,326,699,000, loans of $2,064,145,000, and deposits of $2,751,824,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2023
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.06 billion
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.13 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 2.75 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 3.13 billion

Summary Income Statement

June 30, 2023
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bank of the Cascades’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Oregon, Bank of the Cascades has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.77
Credit Card Loans 0.40
Consumer Auto Loans 0.66
Small Business Loans 8.88
Construction and Development Loans 10.60
Commercial Real Estate 44.12
Commercial and Industrial Loans 16.13
Farm Loans 0.05

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