Willamette Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Willamette Valley Bank is an FDIC-insured commercial bank headquartered in Salem, OR, established in 2000 (FDIC certificate 57033), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $465.4M, up 1.3% from Q2 2025, the 10th largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57033
- Headquarters
- Salem, OR
- Established
- 2000
- Total assets, Q2 2026
- $465.4M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 16.99%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 123206859
- Latest call report
- Q2 2026, FFIEC 051 · Willamette Valley Bank call report
- Holding company
- OREGON BANCORP, INC.
- Asset rank in state
- 10th of 12 in Oregon
Willamette Valley Bank carries far more capital than most banks of its size. It reported $465 million in assets at June 30, 2026, up 1.3% from a year earlier. It funds 16.99% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 4.2% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter slipped 14% from a year earlier, to $758,000. Over the same year, loans shrank 4.2% and deposits grew 9.3%. Profitability lags: it returns 4.0% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Willamette Valley Bank reported a return on assets of 0.67%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Willamette Valley Bank is the 10th largest of the 12 banks headquartered in Oregon. From Q1 2026 to Q2 2026, its total assets rose 4.4% to $465.4M, loans rose 2.6% and deposits rose 6.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.9% of total loans, ahead of multifamily loans at 29.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OR; its Salem office books 55% of its branch deposits. Judged on its Q2 2026 call report, Willamette Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 High St Ne, Salem, OR 97301
- County
- Marion
- Metro Area
- Salem, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 31, 2000
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $358.8M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $453.6M
- Average total loans
- $297.6M
- Average interest-bearing deposits
- $308.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 31, 2000
- FDIC Cert
- 57033
- Fed RSSD
- 2954497
- Website
- WWW.WillametteValleyBank.com →
- Parent Holding Company
- OREGON BANCORP, INC. (RSSD 3823198)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Willamette Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Willamette Valley Bank's total assets ran between $395.9M (Q4 2023) and $496.7M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$465.4M total assets against $459.5M; $389.7M total liabilities against $385.6M.
$300.3M net loans and leases against $313.5M; $358.8M total deposits against $328.3M.
$105.2M securities against $103.0M; $41.3M cash and balances due against $22.1M.
$6.2M total interest income against $6.2M; $1.8M total interest expense against $2.1M.
$4.3M net interest income against $4.0M.
$366K total noninterest income against $2.5M; $3.7M total noninterest expense against $5.5M.
-$20K provision for credit losses against -$98K.
$758K net income against $877K.
0.67% return on assets against 0.77%; 3.96% net interest margin against 3.68%.
16.99% tier 1 leverage ratio against 16.66%.
Inside the full Willamette Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Willamette Valley Bank rankings
Its closest position to the top of a national ranking is 1,859 of 4,196, for total assets; its furthest is 3,215 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q1 2026) to 1.00% (Q3 2025) and its net interest margin ran from 3.40% (Q1 2025) to 3.96% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.99% | 0.67% | 0.22% | 0.85% | 3.96% |
| Q1 2026 | 17.16% | 0.41% | 0.35% | 1.30% | 3.87% |
| Q4 2025 | 16.98% | 0.76% | 0.29% | 1.09% | 3.80% |
| Q3 2025 | 16.49% | 1.00% | 0.29% | 1.13% | 3.76% |
| Q2 2025 | 16.66% | 0.77% | 0.29% | 1.18% | 3.68% |
| Q1 2025 | 16.25% | 0.47% | 0.30% | 1.22% | 3.40% |
| Q4 2024 | 15.67% | 0.78% | 0.31% | 1.25% | 3.48% |
| Q3 2024 | 15.28% | 0.85% | 0.29% | 1.27% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willamette Valley Bank (main office) | Salem , OR | 97301 | $198.7M |
| Keizer Branch | Keizer , OR | 97303 | $77.3M |
| Silverton Branch | Silverton , OR | 97381 | $59.2M |
| Albany Branch | Albany , OR | 97322 | $23.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OR, rank 25 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 917 applications, 584 loans originated, $221.9M originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $719K approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Willamette Valley Bank
What are Willamette Valley Bank's total assets?
As of the Q2 2026 filing, Willamette Valley Bank reported total assets of $465.4 million in its FFIEC call report.
Where is Willamette Valley Bank headquartered?
It is headquartered in Salem, OR, United States.
When was Willamette Valley Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Willamette Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Willamette Valley Bank?
Willamette Valley Bank's primary federal regulator is the FDIC.
How many branches does Willamette Valley Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Willamette Valley Bank's Texas Ratio?
Its Texas Ratio is 0.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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