Willamette Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Willamette Valley Bank of Salem, OR against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.67% | 1.25% | -0.58% | 17th bottom |
| ROAE | 4.01% | 12.22% | -8.21% | 10th bottom |
| Net Interest Margin | 3.96% | 3.95% | +0.01% | 51st above |
| Efficiency Ratio | 79.45% | 63.71% | +15.74% | 13th bottom |
| PPNR / Avg Assets | 0.85% | — | — | 15th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.67% | -0.03% | 52nd above |
| Cost of Funds | 1.98% | 1.87% | +0.11% | 38th below |
| Net Interest Spread | 3.46% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.88% | -0.66% | 64th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.01% | — | — | 28th below |
| ACL / NPLs (Coverage) | 456.17% | — | — | 68th above |
| Texas Ratio | 0.85% | 5.96% | -5.11% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.99% | 11.75% | +5.24% | 93rd top |
| Equity / Assets | 16.27% | 10.98% | +5.29% | 92nd top |
| TCE / Tangible Assets | 16.27% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.55% | 80.44% | +4.11% | 42nd below |
| Core Deposit Ratio | 94.00% | 86.95% | +7.05% | 79th top |
| Wholesale Funding Ratio | 5.16% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.29% | — | — | 27th below |
| Loan Growth (Y/Y) | -4.22% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | 9.30% | — | — | 80th top |
See Willamette Valley Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Willamette Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Willamette Valley Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Willamette Valley Bank peer analysis.