Headquartered in Salem, Oregon, Willamette Valley Bank is a state-chartered bank with $465.4M in total assets and $358.8M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2000.
Based on its Q2 2026 filing, Willamette Valley Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 3rd. Its strongest component is capital cushion (100/100; 16.99%), and its lowest is earnings (41/100; 0.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (78 → 81), mostly because the funding & liquidity component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 81 |
| Q1 2026 | 77 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.64% |
| Q3 2024 | 15.28% |
| Q4 2024 | 15.67% |
| Q1 2025 | 16.25% |
| Q2 2025 | 16.66% |
| Q3 2025 | 16.49% |
| Q4 2025 | 16.98% |
| Q1 2026 | 17.16% |
| Q2 2026 | 16.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $465.4M | 16.99% | 0.22% | 0.53% | 83.7% |
| Q1 2026 | 77 | $445.9M | 17.16% | 0.35% | 0.41% | 87.2% |
| Q4 2025 | 81 | $452.3M | 16.98% | 0.29% | 0.75% | 89.0% |
| Q3 2025 | 80 | $458.8M | 16.49% | 0.29% | 0.74% | 89.4% |
| Q2 2025 | 78 | $459.5M | 16.66% | 0.29% | 0.61% | 95.5% |
| Q1 2025 | 78 | $464.6M | 16.25% | 0.30% | 0.46% | 90.5% |
| Q4 2024 | 80 | $470.1M | 15.67% | 0.31% | 0.80% | 92.8% |
| Q3 2024 | 80 | $496.7M | 15.28% | 0.29% | 0.80% | 96.3% |
| Q2 2024 | 78 | $480.7M | 15.64% | 0.30% | 0.75% | 107.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oregon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oregon Coast BankBank Newport, OR | 52 out of 100, Below average | $446.3M | 10.4% | 2.65% | vs |
| Evergreen Federal BankBank Grants Pass, OR | 75 out of 100, Strong | $621.6M | 13.2% | 0.63% | vs |
| Clackamas County BankBank Sandy, OR | 84 out of 100, Strong | $266.4M | 12.8% | 0.00% | vs |
| First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR | 76 out of 100, Strong | $678.7M | 11.9% | 0.04% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| People's Bank of CommerceBank Medford, OR | 78 out of 100, Strong | $776.7M | 15.3% | 0.90% | vs |
Deposit insurance
Is my money safe at Willamette Valley Bank?
Yes. Willamette Valley Bank is an FDIC-insured institution (FDIC certificate #57033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.6% of deposits ($102.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Willamette Valley Bank lists 4 offices in 4 cities. Most locations:
- Albany, OR (1)
- Keizer, OR (1)
- Salem, OR (1)
- Silverton, OR (1)
HMDA 2025
Mortgage lending
In 2025, Willamette Valley Bank reported 856 home-loan applications under HMDA (LEI 549300GS6ONO04ORI292): 584 originated ($221,920,000 total), 94 denied, and 177 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Willamette Valley Bank
- Former names
- Valley Business Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57033
- RSSD ID
- 2954497
- Primary regulator
- FDIC
- Holding company
- Oregon Bcorp Inc
- Established
- October 31, 2000
- Headquarters
- 101 High St Ne, Salem, OR 97301
- Website
- www.willamettevalleybank.com
- Employees
- 60
Quick answers
Willamette Valley Bank: common questions
Is Willamette Valley Bank FDIC insured?
Yes. Willamette Valley Bank is an FDIC-insured institution (FDIC certificate #57033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Willamette Valley Bank's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Willamette Valley Bank ever failed?
There is no failure record for FDIC certificate #57033 in the FDIC failed bank list.
How many branches does Willamette Valley Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Community Credit UnionCredit union Coquille, OR | 86 out of 100, Very strong | $1.9B | 13.3% | 0.04% | vs |
| Onpoint Community Credit UnionCredit union Portland, OR | 83 out of 100, Strong | $9.5B | 15.0% | 0.98% | vs |
| Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR | 82 out of 100, Strong | $22.5M | 14.1% | 1.31% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| Nw Preferred Federal Credit UnionCredit union Tigard, OR | 79 out of 100, Strong | $189.3M | 14.6% | 0.91% | vs |
| Citizens BankBank Corvallis, OR | 78 out of 100, Strong | $823.4M | 13.9% | 0.04% | vs |