BlastPoint's Banking Scorecard

Willamette Valley Bank

$100M-$1B Specialty: Commercial OR FDIC cert 57033

Salem, OR

4 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in OR

Willamette Valley Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.7% in tier
- Efficiency Drag: Bottom 37.4% in tier
- Liquidity Overhang: Bottom 39.9% in tier
- Deposit Outflow: Bottom 43.9% in tier
- ROA 0.86% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$445.9M -4.0% YoY -1.4% QoQ	+$59.8M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$292.6M -4.7% YoY -0.4% QoQ	+$36.9M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$335.7M -1.1% YoY +1.7% QoQ	+$7.7M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	0.41% -12.4% YoY -45.5% QoQ	-0.86%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	Bottom 10.7% in tier
Net Interest Margin ?	3.91% +13.3% YoY +5.2% QoQ	-0.02%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	88.06% +1.5% YoY +5.5% QoQ	+22.78%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	Bottom 7.8% in tier
Delinquency Rate ?	0.35% +15.1% YoY +19.2% QoQ	-0.54%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	87.17% -3.7% YoY -2.0% QoQ	+10.53%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	9.68% -11.1% YoY +13.3% QoQ	-12.34%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Bottom 10.1% in tier
Nonperforming Asset Ratio ?	0.23% +14.2% YoY +20.5% QoQ	-0.41%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	17.16% +5.6% YoY +1.1% QoQ	+1.33%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.20% -57.4% YoY -90.6% QoQ	-0.08%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	Top 14.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Quality Pressure

risk

#259 of 1308 • Bottom 19.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Efficiency Drag

risk

#156 of 414 • Bottom 37.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.06%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Liquidity Overhang

risk

#296 of 739 • Bottom 39.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.16%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 87.17%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#223 of 506 • Bottom 43.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

383

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#383 of 2664 Top 14.3% in $100M-$1B

596

Tier 1 Capital Ratio

capital

Value: 17.16%

Peer Median: 15.83%

#596 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2457

Efficiency Ratio

profitability

Value: 88.06%

Peer Median: 65.29%

#2457 of 2664 Bottom 7.8% in $100M-$1B

2397

Non-Interest-Bearing Deposit Share

funding

Value: 9.68%

Peer Median: 22.02%

#2397 of 2664 Bottom 10.1% in $100M-$1B

2380

Return on Assets

profitability

Value: 0.41%

Peer Median: 1.27%

#2380 of 2664 Bottom 10.7% in $100M-$1B