BlastPoint's Banking Scorecard
Willamette Valley Bank
Micro
Specialty: Commercial
OR
FDIC cert 57033
Designations: ✓ Community bank
Salem, OR
2498
banks in Micro tier nationally
4 in OR
View Micro leaderboard (OR) →
Willamette Valley Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.56% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.85% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$452.3M
-3.8% YoY
-1.4% QoQ
|
+$234.9M |
$217.5M
+2.3% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$293.8M
-5.0% YoY
-2.7% QoQ
|
+$154.6M |
$139.2M
+2.8% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$330.2M
-0.9% YoY
-2.2% QoQ
|
+$146.5M |
$183.7M
+1.8% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.75%
-6.8% YoY
+0.3% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.72%
-0.5% YoY
+1.2% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
83.45%
+0.3% YoY
-0.1% QoQ
|
+15.73% |
67.73%
-4.8% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.29%
-5.1% YoY
+0.1% QoQ
|
-0.35% |
0.64%
+24.4% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
88.97%
-4.1% YoY
-0.5% QoQ
|
+14.45% |
74.53%
+0.5% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
8.54%
-17.6% YoY
-13.5% QoQ
|
-13.85% |
22.39%
-1.3% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-6.3% YoY
-1.2% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.12%
-13.9% YoY
+34.0% QoQ
|
+1.56% |
0.56%
+0.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.12%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.54%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest Income / Assets
Current: 2.12% · Tier avg: 0.56%
95
95th pctile
Total Assets
Current: $452.3M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $293.8M · Tier avg: $139.2M
87
87th pctile
Total Deposits
Current: $330.2M · Tier avg: $183.7M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
56
56th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.97% · Tier avg: 74.53%
15
15th pctile
Efficiency Ratio
Current: 83.45% · Tier avg: 67.73%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.54% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.54% · Tier avg: 22.39%
15
15th pctile
Efficiency Ratio
Current: 83.45% · Tier avg: 67.73%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.97% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
87
87th pctile
Total Deposits
Current: $330.2M · Tier avg: $183.7M
91
91th pctile
Total Loans
Current: $293.8M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $452.3M · Tier avg: $217.5M
97
97th pctile
Non-Interest Income / Assets
Current: 2.12% · Tier avg: 0.56%