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
Unfavorable gap of $13.8M · efficiency ratio beats 19% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.60% | 1.01% | 1.45% | Beats 21% | 499 / 629 | | |
| Return on Equity | 3.21% | 5.38% | 9.30% | 13.28% | Beats 16% | 530 / 629 | | |
| Net Interest Margin | 3.74% | 3.03% | 3.54% | 4.05% | Beats 60% | 254 / 629 | | |
| Efficiency Ratio | 83.94% | 58.35% | 67.79% | 79.08% | Beats 19% | 512 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 64% | 211 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.99% | 11.24% | 13.84% | 18.77% | Beats 70% | 191 / 629 | | |
| Total Risk-Based Capital Ratio | 16.99% | 11.58% | 14.43% | 19.66% | Beats 67% | 208 / 629 | | |
| Equity / Assets | 16.27% | 9.09% | 10.65% | 13.80% | Beats 81% | 118 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.55% | 67.24% | 80.90% | 93.48% | 56th pctl | 261 / 594 | | |
| Loans / Assets | 65.18% | 53.31% | 67.71% | 78.15% | 44th pctl | 351 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |