Willamette Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 165.53 percentage points higher than in Q1 2026, at 456.17%. Willamette Valley Bank has the 3rd lowest return on assets of the 12 banks headquartered in Oregon, at 0.67% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Willamette Valley Bank sits 0.59 points lower, at 0.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.99% |
| Equity capital to assets | 16.27% |
| Tangible equity to tangible assets | 16.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.85% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 456.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 4.01% |
| Net interest margin | 3.96% |
| Efficiency ratio | 79.45% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.55% |
| Core deposits to total deposits | 94.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.09% |
| Securities to assets | 22.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.72% | 0.67% | 4.11% | 0.82% | 0.00% |
| Q4 2023 | 18.56% | 0.57% | 4.28% | 0.34% | 0.00% |
| Q1 2024 | 18.73% | 0.67% | 4.12% | 0.31% | 0.00% |
| Q2 2024 | 15.64% | 0.79% | 3.43% | 0.30% | 0.00% |
| Q3 2024 | 15.28% | 0.85% | 3.46% | 0.29% | 0.00% |
| Q4 2024 | 15.67% | 0.78% | 3.48% | 0.31% | 0.00% |
| Q1 2025 | 16.25% | 0.47% | 3.40% | 0.30% | 0.00% |
| Q2 2025 | 16.66% | 0.77% | 3.68% | 0.29% | 0.00% |
| Q3 2025 | 16.49% | 1.00% | 3.76% | 0.29% | 0.00% |
| Q4 2025 | 16.98% | 0.76% | 3.80% | 0.29% | 0.00% |
| Q1 2026 | 17.16% | 0.41% | 3.87% | 0.35% | 0.00% |
| Q2 2026 | 16.99% | 0.67% | 3.96% | 0.22% | 0.00% |
Willamette Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Willamette Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Willamette Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57033) · FFIEC NIC profile (RSSD 2954497)