Side-by-side · Q2 2026 data
Citizens Bank vs Willamette Valley Bank
Metric by metric
| Measure | Citizens Bank | Willamette Valley Bank |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 27 | 41 (stronger) |
| Funding & liquidity | 77 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 72nd | 80th |
| Total assets | $823.4M | $465.4M |
| Deposits / shares | $702.5M | $358.8M |
| Capital ratio | 13.88% | 16.99% (stronger) |
| Problem loans | 0.04% (stronger) | 0.22% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.18% | 0.53% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 83.7% |
| Uninsured deposits | 36.3% | 28.6% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.8% |
Willamette Valley Bank has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Willamette Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Albany, OR
- Salem, OR
- Silverton, OR