Clark County Bancorporation (CKCB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Clark County Bancorporation (CKCB) trades at $0.00 with AI Score 46/100 (Grade C). Clark County Bancorporation, through its subsidiary Bank of Clark County, provides financial services to businesses and individuals in Clark County, Washington. Market cap: $1,151, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for CKCB: CKCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CKCB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CKCB: the 1 perspectives are evenly split.
How is this calculated? →Clark County Bancorporation (CKCB) Financial Services Profile
Clark County Bancorporation, operating as Bank of Clark County, offers traditional banking services in Clark County, Washington, focusing on personal and business accounts, loans, and online banking, positioning itself as a community-oriented financial institution amidst larger regional and national competitors.
What Is the Investment Thesis for CKCB?
Clark County Bancorporation presents a community banking model focused on Clark County, Washington. Key value drivers include its deposit and loan portfolio, with potential growth tied to the local economy. Upcoming catalysts involve expanding its online banking and cash management services to attract a wider customer base. Potential risks include interest rate fluctuations, increased competition from larger banks, and the overall economic health of Clark County. Investors should monitor loan growth, deposit levels, and operating efficiency to assess the company's performance.
Based on FMP financials and quantitative analysis
CKCB Key Highlights
- Clark County Bancorporation operates with approximately 90 employees, indicating a smaller, community-focused banking model.
- The company's focus is on Clark County, Washington, suggesting a localized market strategy.
- The bank offers a range of deposit products, including personal and business accounts, indicating a diversified customer base.
- Loan products include real estate loans and SBA loans, reflecting a focus on both consumer and business lending.
- The company provides online banking services, aligning with current trends in financial technology.
Who Are CKCB's Competitors?
CKCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CKCB's Key Strengths?
- Strong local presence in Clark County, Washington.
- Personalized customer service and community focus.
- Wide range of deposit and loan products.
- Experienced management team with local market knowledge.
What Are CKCB's Weaknesses?
- Limited geographic reach compared to larger banks.
- Smaller asset base and capital resources.
- Dependence on the local economy of Clark County.
- Potential challenges in attracting and retaining talent.
What Could Drive CKCB Stock Higher?
- Expansion of online banking services to attract a broader customer base by Q4 2026.
- Strategic partnerships with local businesses to drive customer acquisition and loan growth.
- Efforts to increase SBA loan origination to support local business growth.
- Launch of targeted marketing campaigns to attract new customers by Q3 2026.
What Are the Key Risks for CKCB?
- Increased competition from larger regional and national banks.
- Economic downturn in Clark County affecting loan performance.
- Changes in banking regulations increasing compliance costs.
- Rising interest rates impacting loan demand and profitability.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for CKCB?
- Expansion of Online Banking Services: Investing in and expanding its online banking platform could attract a broader customer base, particularly younger demographics and tech-savvy individuals. This includes enhancing mobile banking apps, improving user experience, and offering more sophisticated online financial management tools. The market for digital banking is growing rapidly, with projections estimating significant increases in user adoption over the next five years. This expansion could lead to increased deposits and fee income.
- Strategic Partnerships with Local Businesses: Forming strategic alliances with local businesses can drive customer acquisition and loan growth. By offering tailored financial solutions to small and medium-sized enterprises (SMEs) in Clark County, the bank can establish itself as a key financial partner in the community. The SME lending market represents a substantial opportunity, and a targeted approach can yield significant returns. These partnerships could include offering specialized loan products, cash management services, and employee benefits programs.
- Increasing SBA Loan Origination: Focusing on increasing the origination of Small Business Administration (SBA) loans can provide a stable source of revenue and support local business growth. SBA loans often come with government guarantees, reducing the bank's risk exposure. The SBA loan market is supported by government initiatives to promote small business development, and Clark County Bancorporation can capitalize on this by actively marketing its SBA loan products to local entrepreneurs.
- Enhancing Cash Management Services for Businesses: Improving and expanding cash management services for business clients can generate fee income and strengthen customer relationships. This includes offering services such as lockbox processing, remote deposit capture, and online account management tools. The market for cash management services is growing as businesses seek to optimize their working capital and streamline their financial operations. By providing comprehensive cash management solutions, the bank can attract and retain business clients.
- Targeted Marketing Campaigns to Attract New Customers: Implementing targeted marketing campaigns focused on specific customer segments can drive new account openings and loan applications. This includes using digital marketing channels, social media, and community events to reach potential customers. The effectiveness of these campaigns can be enhanced by leveraging data analytics to identify customer needs and preferences. A well-executed marketing strategy can increase brand awareness and market share in Clark County.
What Opportunities Does CKCB Have?
- Expansion of online banking and digital services.
- Strategic partnerships with local businesses.
- Increased SBA loan origination.
- Growth in the local economy of Clark County.
What Threats Does CKCB Face?
- Increased competition from larger regional and national banks.
- Economic downturn in Clark County.
- Changes in banking regulations.
- Rising interest rates and credit risk.
What Are CKCB's Competitive Advantages?
- Strong local presence and community relationships in Clark County.
- Personalized customer service and local expertise.
- Established reputation as a community-focused bank.
- Knowledge of the local market and economy.
What Does CKCB Do?
Incorporated in 2001 and headquartered in Vancouver, Washington, Clark County Bancorporation functions as the holding company for the Bank of Clark County. The bank provides a comprehensive suite of financial products and services tailored to businesses and individuals residing in Clark County, Washington. These offerings encompass a variety of deposit accounts, including personal and business checking, money market, savings, certificates of deposit, and individual retirement accounts. Loan products range from automobile and recreational vehicle loans to home equity lines of credit, term loans, SBA loans, and real estate financing. Beyond traditional banking services, Clark County Bancorporation offers modern conveniences such as online banking, bill pay, automated teller machines, and Visa debit cards. Additional services include cashier's checks, money orders, safe deposit boxes, wire transfers, notary services, and credit card processing. The company emphasizes a community-focused approach, aiming to build long-term relationships with its customers by providing personalized service and local expertise. This strategy allows it to compete with larger regional and national banks that may not offer the same level of individualized attention.
What Products and Services Does CKCB Offer?
- Offers personal and business checking accounts.
- Provides money market and savings accounts.
- Offers certificates of deposit and individual retirement accounts (IRAs).
- Provides automobile, recreational vehicle, and home equity loans.
- Offers lines of credit, term loans, and SBA loans.
- Provides real estate loans and letters of credit.
- Offers online banking and bill pay services.
- Provides cash management and credit card processing services.
How Does CKCB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through underwriting and loan portfolio diversification.
- Focuses on serving the financial needs of businesses and individuals in Clark County, Washington.
What Industry Does CKCB Operate In?
Clark County Bancorporation operates within the regional banking sector, which is characterized by increasing competition from larger national banks and credit unions. The industry is also experiencing a shift towards digital banking solutions and increased regulatory scrutiny. The company's success depends on its ability to maintain customer relationships, manage credit risk, and adapt to changing technology and regulatory landscapes. The regional banking sector is influenced by local economic conditions and interest rate environments.
Who Are CKCB's Key Customers?
- Individuals residing in Clark County, Washington.
- Small and medium-sized businesses in Clark County, Washington.
- Local entrepreneurs seeking financing for their ventures.
- Businesses requiring cash management services.
Company Profile
Clark County Bancorporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Vancouver, US. The company is led by CEO Michael C. Worthy. CKCB has traded publicly since 2009.
CKCB Valuation & Market Position
Relative to its peer group, CKCB's quantitative score of 46/100 is below the peer average of 68/100.
CKCB Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in Clark County, Washington.
- Personalized customer service and community focus.
- Wide range of deposit and loan products.
- Experienced management team with local market knowledge.
Bear Case
- Limited geographic reach compared to larger banks.
- Smaller asset base and capital resources.
- Dependence on the local economy of Clark County.
- Potential challenges in attracting and retaining talent.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CKCB Latest News
No recent news available for CKCB.
CKCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CKCB.
Price Targets
Wall Street price target analysis for CKCB.
CKCB MoonshotScore
What does this score mean?
The MoonshotScore rates CKCB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael C. Worthy
CEO
Michael C. Worthy serves as the CEO of Clark County Bancorporation, bringing extensive experience in community banking and financial services. His background includes various leadership roles within regional banks, focusing on strategic planning, risk management, and customer relationship management. Worthy's expertise encompasses commercial lending, retail banking, and operational efficiency. He is actively involved in community development initiatives and holds a strong commitment to serving the financial needs of Clark County.
Track Record: Under Michael C. Worthy's leadership, Clark County Bancorporation has focused on maintaining a stable financial performance and strengthening its community banking presence. Key achievements include expanding the bank's online banking services and increasing its SBA loan portfolio. Worthy has emphasized a customer-centric approach, aiming to build long-term relationships with local businesses and individuals.
CKCB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Clark County Bancorporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as exchange-listed companies. Investing in OTC Other stocks carries higher risk due to the potential for limited information and liquidity compared to stocks listed on major exchanges like the NYSE or NASDAQ. This tier is often populated by shell companies, bankrupt entities, or companies with questionable operations.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Higher potential for fraud or manipulation.
- Lower liquidity and wider bid-ask spreads.
- Greater price volatility.
- Potential for delisting or suspension of trading.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Review any legal or regulatory issues facing the company.
- Understand the risks associated with investing in OTC Other stocks.
- Consult with a financial advisor before investing.
- The company has been in operation since 2001.
- It is a registered holding company for a bank.
- The company has a physical headquarters in Vancouver, Washington.
- The company has a CEO and management team.
What Investors Ask About Clark County Bancorporation (CKCB) — Financial Services
What does Clark County Bancorporation do?
Clark County Bancorporation, through its subsidiary Bank of Clark County, provides a range of financial services to businesses and individuals in Clark County, Washington. These services include deposit accounts, loans, online banking, and cash management solutions. The company operates as a community-focused bank, emphasizing personalized service and local expertise to build long-term relationships with its customers. Its business model is centered on generating revenue through interest income from loans and fees from various banking services, while managing credit risk and adhering to banking regulations.
What do analysts say about CKCB stock?
As of March 18, 2026, there is no readily available analyst coverage or consensus on Clark County Bancorporation (CKCB) due to its OTC listing and limited market capitalization. Investors should conduct their own thorough due diligence and consider factors such as the company's financial performance, local market conditions, and competitive landscape. Valuation metrics may be difficult to obtain, and growth considerations should be assessed based on the company's ability to expand its customer base and manage its loan portfolio effectively.
What are the main risks for CKCB?
Clark County Bancorporation faces several risks inherent to the banking industry and its specific market. These include increased competition from larger regional and national banks, potential economic downturns in Clark County affecting loan performance, changes in banking regulations increasing compliance costs, and rising interest rates impacting loan demand and profitability. Additionally, as an OTC-listed company, CKCB faces risks related to limited liquidity, financial disclosure, and potential price volatility, requiring investors to exercise caution and conduct thorough due diligence.
What are the key factors to evaluate for CKCB?
Clark County Bancorporation (CKCB) holds an AI score of 46/100 (low). Not financial advice.
How frequently does CKCB data refresh on this page?
CKCB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CKCB's recent stock price performance?
Clark County Bancorporation (CKCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Clark County, Washington. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CKCB overvalued or undervalued right now?
Valuing Clark County Bancorporation (CKCB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CKCB?
Before investing in Clark County Bancorporation (CKCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company details and may be limited due to the company's OTC status.
- Financial data may not be readily available or verified.