| Metric | Willamette Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.4 pts |
| Loan growth (YoY) | -4.2% | +5.6% | -9.8 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 3.2% | 11.9% | -8.7 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $465.4M | $358.8M | $300.3M | $75.7M | $1.2M | 0.53% | 3.95% | 0.14% |
| Q1 2026 | $445.9M | $335.7M | $292.6M | $75.7M | $457K | 0.41% | 3.91% | 0.23% |
| Q4 2025 | $452.3M | $330.2M | $293.8M | $76.1M | $3.4M | 0.75% | 3.72% | 0.19% |
| Q3 2025 | $458.8M | $337.7M | $301.8M | $75.1M | $2.6M | 0.74% | 3.68% | 0.19% |
| Q2 2025 | $459.5M | $328.3M | $313.5M | $73.9M | $1.4M | 0.61% | 3.58% | 0.20% |
| Q1 2025 | $464.6M | $339.4M | $307.1M | $73.5M | $543K | 0.46% | 3.46% | 0.20% |
| Q4 2024 | $470.1M | $333.2M | $309.1M | $73.0M | $3.6M | 0.80% | 3.74% | 0.20% |
| Q3 2024 | $496.7M | $343.3M | $330.5M | $73.3M | $2.6M | 0.80% | 3.76% | 0.20% |
Loan mix (Q2 2026): real estate $292.6M · commercial $10.6M · consumer $47K · securities $105.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Willamette Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 62.9% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Willamette Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Willamette Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Willamette Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Willamette Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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