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Willamette Valley Bank

Salem, OR · Cert 57033 · Oregon Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Willamette Valley Bank

Salem, OR · Cert 57033 · Oregon Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$465.4MAssets
$303.3MLoans
$358.8MDeposits
$75.7MEquity
Loan mix
97%RE $285.8M3%C&I $9.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $320.1M11%Noninterest $38.6MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.36%Q2 ’255.36%Q2 ’26+7%+8%

Non-interest income vs. expense

4.82%Q2 ’244.71%Q2 ’253.60%Q2 ’26+22%+15%

Market Position · Salem, OR · 2026 SOD (annual) · 4.6% share · #8 of 13 inst. · $0.3B of $7.2B

5.2% Marion
1.7% Linn

Executive Summary

  • Earnings: ROA of 0.53%, down 8 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.22% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.99%, up 33 bps from a year ago.
  • Funding: loans stand at 84.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+29 bps YoY

Efficiency Ratio (YTD, annualized)

83.94%-160 bps YoY

Tier 1 Leverage Ratio

16.99%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.74%0.75%0.41%0.53%-8 bps
Return on Equity3.86%4.66%4.63%2.41%3.20%-66 bps
Net Interest Margin3.45%3.46%3.57%3.72%3.74%+29 bps
Efficiency Ratio85.54%83.55%83.45%88.06%83.94%-160 bps
Non-Interest Burden2.66%2.55%2.63%3.18%3.05%+39 bps
Growth
Asset Growth (YoY)-4.41%-7.62%-3.77%-4.03%1.29%+570 bps
Loan Growth (YoY)-6.56%-8.75%-5.02%-4.78%-4.22%+234 bps
Deposit Growth (YoY)5.35%-1.65%-0.92%-1.07%9.30%+395 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.29%0.29%0.35%0.22%-7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.00%1.00%1.01%1.01%0 bps
Allowance Coverage of NPLs3.5x3.4x3.4x2.9x4.6x+1.1x
Capital
Tier 1 Leverage Ratio16.66%16.49%16.98%17.16%16.99%+33 bps
Total Risk-Based Capital16.66%16.49%16.98%17.16%16.99%+33 bps
Equity / Assets16.09%16.36%16.82%16.97%16.27%+18 bps
Liquidity & Funding
Loans / Deposits96.48%90.28%89.87%88.06%84.55%-1,193 bps
Liquid Assets / Assets2.48%4.10%2.63%2.67%3.03%+55 bps
CRE / Total Capitaln/a324%316%324%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Willamette Valley Bank

Salem, OR · Cert 57033 · Peer group: banks under $1B in assets (n=581-629) · Oregon Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$465.4MAssets
$303.3MLoans
$358.8MDeposits
$75.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 84% of banks under $1B in assets (rank 530 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.52%

Rank 499 of 629

Net Interest Margin

3.74%

Rank 254 of 629

Efficiency Ratio

83.94%

Rank 512 of 629

Equity / Assets

16.27%

Rank 118 of 629

Non-interest income vs. expense

$2.5M$16.3MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 19% of banks under $1B in assets
Bank 83.94%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.60%1.01%1.45%Beats 21%499 / 629
Return on Equity3.21%5.38%9.30%13.28%Beats 16%530 / 629
Net Interest Margin3.74%3.03%3.54%4.05%Beats 60%254 / 629
Efficiency Ratio83.94%58.35%67.79%79.08%Beats 19%512 / 629
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.46%1.20%Beats 64%211 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio16.99%11.24%13.84%18.77%Beats 70%191 / 629
Total Risk-Based Capital Ratio16.99%11.58%14.43%19.66%Beats 67%208 / 629
Equity / Assets16.27%9.09%10.65%13.80%Beats 81%118 / 629
Liquidity & Funding
Loans / Deposits84.55%67.24%80.90%93.48%56th pctl261 / 594
Loans / Assets65.18%53.31%67.71%78.15%44th pctl351 / 629
Brokered Deposits / Depositsn/aNot reported for this institution