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Willamette Valley Bank

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

Salem, OR

4 branches across OR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in OR.
  • Deposits +9.3% year over year ($358.8M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 0.53%.
  • Efficiency ratio 83.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in OR
View $100M-$1B leaderboard (OR) →

Willamette Valley Bank has 1 strength but faces 4 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 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 18.5% in tier
  • - Efficiency Drag: Bottom 24.1% in tier
  • - Liquidity Overhang: Bottom 47.4% in tier
  • - ROA 0.79% below tier average
Get updates when Willamette Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $465.4M
+1.3% YoY +4.4% QoQ
+$78.9M $386.6M
+1.2% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $300.3M
-4.2% YoY +2.6% QoQ
+$41.9M $258.3M
+1.7% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $358.8M
+9.3% YoY +6.9% QoQ
+$32.0M $326.7M
+0.7% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 0.53%
-12.5% YoY +31.3% QoQ
-0.79% 1.32%
+10.8% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
Bottom 13.3% in tier
Net Interest Margin ? 3.95%
+10.3% YoY +0.8% QoQ
-0.04% 3.99%
+5.0% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 83.94%
-1.9% YoY -4.7% QoQ
+19.46% 64.48%
-3.2% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
Bottom 9.9% in tier
Delinquency Rate ? 0.22%
-23.0% YoY -36.0% QoQ
-0.69% 0.92%
+15.7% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 83.69%
-12.4% YoY -4.0% QoQ
+5.74% 77.95%
+1.0% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 10.77%
+11.7% YoY +11.3% QoQ
-11.26% 22.03%
-0.6% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Bottom 12.2% in tier
Nonperforming Asset Ratio ? 0.14%
-27.1% YoY -37.1% QoQ
-0.52% 0.67%
+16.4% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 16.99%
+2.0% YoY -1.0% QoQ
+1.08% 15.91%
+1.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.27%
-73.6% YoY +35.3% QoQ
-0.30% 0.57%
+7.6% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Noninterest-Bearing 10.8%
+1.1pp YoY
+1.1pp QoQ
 -11.4pp 22.1% 23.6% 22.2% 12%
Brokered Deposits n/a n/a 7.9% 2.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 3.5%
+1.2pp YoY
+0.2pp QoQ
 -8.0pp 11.6% 11.0% 12.5% 12%
CRE 85.5%
+4.5pp YoY
+0.4pp QoQ
 +45.9pp 39.5% 62.1% 41.4% 99%
1-4 Family 10.5%
-5.6pp YoY
-0.5pp QoQ
 -22.2pp 32.6% 17.1% 31.3% 12%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.0% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.9% 19.7% n/a
Leverage Ratio 17.0%
+0.3pp YoY
-0.2pp QoQ
 +4.8pp 12.2% 12.5% 12.6% 93%
Total Capital Ratio n/a n/a 19.9% 20.0% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Full-Time Employees 60
-56 (-48.3%) YoY
-7 (-10.4%) QoQ
 +1 58 526 482 63%
Assets per Employee ($) $7.8M
+95.8% YoY
+16.6% QoQ
 +$239K $7.5M $7.4M $8.8M 64%
Branch Count 4
0 YoY
0 QoQ
 -1 4 35 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 32%
Allowance Coverage 4.56x
+30.4% YoY
+57.0% QoQ
 -19.59x 24.15x 7.38x 20.23x 68%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 3.2%
-0.7pp YoY
+0.8pp QoQ
 -9.0pp 12.2% 9.1% 11.6% 9%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.3% 1.7% 51%
Net Income ($, YTD) $1.2M
-14.4% YoY
— QoQ
 -$1.3M $2.6M $35.5M $40.4M 33%

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 (3)

Flatlined Growth

risk
#99 of 529 • Bottom 18.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.53%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#88 of 361 • Bottom 24.1% in tier

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

Why this signature
Efficiency Ratio: 83.94%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#353 of 742 • Bottom 47.4% 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: 16.99%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 83.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

612
Tier 1 Capital Ratio
capital
Value: 16.99%
Peer Median: 15.91%
#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2383
Efficiency Ratio
profitability
Value: 83.94%
Peer Median: 64.48%
#2383 of 2643 Bottom 9.9% in $100M-$1B
2321
Non-Interest-Bearing Deposit Share
funding
Value: 10.77%
Peer Median: 22.03%
#2321 of 2643 Bottom 12.2% in $100M-$1B
2293
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.32%
#2293 of 2643 Bottom 13.3% in $100M-$1B
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