Willamette Valley Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.34 percentage points to 4.10%. Within Oregon, Willamette Valley Bank is 7th of 12 on net interest margin, 3.96% as of Q2 2026. At 3.96%, Willamette Valley Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 6.30% |
| Yield on securities | 4.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.52% | 1.65% | 4.11% | 5.71% | 3.22% |
| Q4 2023 | 5.77% | 1.78% | 4.28% | 6.03% | 3.54% |
| Q1 2024 | 5.71% | 1.89% | 4.12% | 5.99% | 3.81% |
| Q2 2024 | 5.83% | 2.67% | 3.43% | 5.82% | 5.24% |
| Q3 2024 | 5.81% | 2.72% | 3.46% | 5.96% | 4.69% |
| Q4 2024 | 5.61% | 2.47% | 3.48% | 5.96% | 4.56% |
| Q1 2025 | 5.38% | 2.33% | 3.40% | 5.83% | 4.37% |
| Q2 2025 | 5.61% | 2.26% | 3.68% | 5.93% | 4.87% |
| Q3 2025 | 5.71% | 2.29% | 3.76% | 6.13% | 4.81% |
| Q4 2025 | 5.65% | 2.19% | 3.80% | 6.23% | 4.67% |
| Q1 2026 | 5.58% | 2.02% | 3.87% | 6.20% | 4.74% |
| Q2 2026 | 5.64% | 1.98% | 3.96% | 6.30% | 4.79% |
Willamette Valley Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Willamette Valley Bank, freeSource: Call Report Schedules RI and RC-K, 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)