$446M
−4.0%y/y
Percentile by value38th percentileby value
FDIC
ASSETWV
Willamette Valley Bank
Salem, OregonFDIC Cert #57033
STATEEstablished 20004 branches
Holding company: OREGON BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWillamette Valley Bank reported $446M in total assets. Deposits declined 1.07% over the prior year.
Return on assets was 0.41%, compared with an asset-peer median of 1.22%. The leverage ratio was 17.16%.
- Why is Efficiency Ratio above asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$336M
−1.1%y/y
Percentile by value27th percentileby value
FDIC
DEP$293M
−4.7%y/y
Percentile by value38th percentileby value
FDIC
LNLSNET0.41%
−6 bpsy/y
Peer standing9th percentile
FDIC
NETINC + ROA88.06%
+127 bpsy/y
Peer standing7th percentile
FDIC
NONIX + NIM + NONII + EEFFR17.16%
+92 bpsy/y
Peer standing95th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $377M | $297M |
| Q3 2021 | $401M | $318M |
| Q4 2021 | $408M | $323M |
| Q1 2022 | $407M | $327M |
| Q2 2022 | $416M | $334M |
| Q3 2022 | $422M | $342M |
| Q4 2022 | $402M | $319M |
| Q1 2023 | $395M | $312M |
| Q2 2023 | $383M | $294M |
| Q3 2023 | $401M | $317M |
| Q4 2023 | $396M | $313M |
| Q1 2024 | $398M | $313M |
| Q2 2024 | $481M | $312M |
| Q3 2024 | $497M | $343M |
| Q4 2024 | $470M | $333M |
| Q1 2025 | $465M | $339M |
| Q2 2025 | $459M | $328M |
| Q3 2025 | $459M | $338M |
| Q4 2025 | $452M | $330M |
| Q1 2026 | $446M | $336M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $47.2M |
| Investor CRE | $100M |
| Multifamily | $93.3M |
| Construction | $8.06M |
| 1–4 family | $32.3M |
| C&I | $9.65M |
| Agriculture | $4.96M |
| Other |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.41%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE2.41%7th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.91%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR88.06%7th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−1.07%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−4.72%7th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ17.16%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.41%15th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.15%90th 2.27%Observations 14
ROE
FDIC
NETINC + ROE2.41%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.54%Median 9.94%90th 16.64%Observations 14
NIM
FDIC
NIM + NIMY3.91%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.31%Median 3.88%90th 4.78%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR88.06%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.20%Median 65.88%90th 88.92%Observations 14
Deposits YoY
FDIC
DEP−1.07%17th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.46%Median +2.06%90th +20.58%Observations 13
Loans YoY
FDIC
LNLSNET−4.72%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.33%Median +2.29%90th +5.31%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.64%90th 1.85%Observations 13
Leverage
FDIC
RBC1AAJ17.16%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.93%Median 12.43%90th 16.55%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.13%Median 1.74%90th 2.42%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 61%Median 157%90th 312%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.41%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.29%Median 0.94%90th 1.75%Observations 10
ROE
FDIC
NETINC + ROE2.41%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.34%Median 8.07%90th 15.70%Observations 10
NIM
FDIC
NIM + NIMY3.91%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.21%Median 3.88%90th 4.89%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR88.06%22nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.58%Median 68.32%90th 89.53%Observations 10
Deposits YoY
FDIC
DEP−1.07%11th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.56%Median +1.72%90th +9.35%Observations 10
Loans YoY
FDIC
LNLSNET−4.72%11th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.75%Median +1.71%90th +4.22%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%78th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.88%90th 2.09%Observations 10
Leverage
FDIC
RBC1AAJ17.16%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.30%Median 12.48%90th 15.31%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.04%Median 1.74%90th 2.47%Observations 10
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Salem, OR
FDIC
OFFDOMOpen the Oregon dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data