West Linn, OR · Cert 57872 · Pacific West Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.6% share · #16 of 26 inst. · $0.4B of $65.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.19% | 0.10% | 0.15% | 0.34% | 0.14% | 0.16% | 0.44% | +29 bps | |
| Return on Equity | -0.13% | 1.84% | 0.97% | 1.52% | 3.57% | 1.43% | 1.74% | 5.03% | +351 bps | |
| Net Interest Margin | 2.65% | 2.94% | 2.92% | 2.96% | 3.06% | 3.26% | 3.01% | 2.86% | -9 bps | |
| Efficiency Ratio | 95.71% | 91.72% | 94.97% | 88.84% | 85.79% | 82.82% | 91.68% | 81.98% | -685 bps | |
| Non-Interest Burden | 2.52% | 2.67% | 2.75% | 2.59% | 2.58% | 2.64% | 2.73% | 2.23% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.71% | 2.67% | 8.89% | 12.58% | 4.34% | 17.43% | 17.67% | 16.37% | +379 bps | |
| Loan Growth (YoY) | 10.20% | 1.76% | 2.85% | 2.47% | 6.14% | 9.42% | 5.21% | 1.65% | -82 bps | |
| Deposit Growth (YoY) | 17.97% | 14.83% | 21.26% | 28.67% | 14.91% | 25.49% | 23.79% | 19.14% | -953 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.33% | 0.34% | 3.24% | 3.06% | 2.88% | 2.92% | 2.98% | -26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 1.08% | 0.02% | 0.40% | 0.00% | -0.01% | -110 bps | |
| Allowance / Loans | 1.38% | 1.41% | 1.39% | 1.13% | 1.18% | 1.15% | 1.22% | 1.24% | +11 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.2x | 4.0x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.16% | 10.29% | 10.52% | 10.15% | 9.96% | 9.80% | 9.03% | 9.14% | -102 bps | |
| Total Risk-Based Capital | 10.16% | 10.29% | 10.52% | 10.15% | 9.96% | 9.80% | 9.03% | 9.14% | -102 bps | |
| Equity / Assets | 9.88% | 10.28% | 9.96% | 9.54% | 9.78% | 9.21% | 8.84% | 8.57% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.02% | 92.66% | 88.14% | 81.69% | 85.91% | 80.79% | 74.91% | 69.69% | -1,199 bps | |
| Liquid Assets / Assets | 7.43% | 5.60% | 7.74% | 12.22% | 9.38% | 14.62% | 19.91% | 23.01% | +1,079 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 517% | 533% | 527% | n/a | n/a | |