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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.10% | 0.10% | 0.12% | 0.20% | 0.18% | 0.16% | 0.30% | +18 bps | |
| Return on Equity | -1.93% | -0.99% | 0.97% | 1.24% | 2.03% | 1.88% | 1.74% | 3.39% | +215 bps | |
| Net Interest Margin | 2.44% | 2.56% | 2.92% | 2.88% | 2.88% | 2.94% | 3.01% | 2.93% | +5 bps | |
| Efficiency Ratio | 106.75% | 102.43% | 94.97% | 91.81% | 89.69% | 87.78% | 91.68% | 86.73% | -508 bps | |
| Non-Interest Burden | 2.61% | 2.62% | 2.75% | 2.61% | 2.55% | 2.54% | 2.73% | 2.47% | -14 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 | -0.07% | -0.05% | 0.03% | 0.56% | 0.36% | 0.37% | 0.00% | 0.00% | -56 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 | |