PORTLAND, Ore. -- With the state of the economy, many people are worried about the safety of their money at their local bank.

And according to a report in today's Portland Tribune, five local banks could be headed for some tough times:

Albina Community Bank in Portland

Lewis & Clark Bank in Oregon City

MBank in Gresham

Pinnacle Bank in Beaverton

West Coast Bank in Lake Oswego

Research from state bank examiners focused on non-performing loans and deposits at the banks found M-Bank had nearly $20 million in non-performing loans.

"We all have non-performing loan issues and there's no secret about that," said Tom Perrick, president and CEO of M Bank. "We're all working through with our customers."

Perrick isn't overly worried about the news that his bank is considered unstable.

"Our biggest concern is the ratings of our customers," Perrick said. "They consistently rank us and other community banks very high. Those are the ones we're most concerned about."

Perrick said the collateral behind the loans is what really counts. With community banks, he says, he knows who his borrowers will be and what they have planned for the money.

"There's a lot of difference between that as an asset as collateral and a piece of property, or a home or a business or equity in that business," Perrick said.

Either way, bank customers said they're thinking twice about their money.

"We're going to have to ride it out because no matter what happens, the economy is too big to worry too much about," said Jim Wallner. "We're all in the same boat."

All of the banks listed are FDIC insured and have the same security as any national bank. Anyone with concerns about their money should contact their local bank.