FDIC Cert #57033 · Salem, Oregon · Est. 2000

Willamette Valley Bank - FDIC Bank Health Profile

A community-scale look at Willamette Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$452M
Total assets
B
Health grade · Good
0.75%
Return on assets
17.0%
Tier 1 capital

Data updated July 2026

The verdict

Willamette Valley Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.98% Tier 1, 0.75% ROA, 83% efficiency ratio.

#1,922
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
16.98%
Tier 1 ratio - above the 10% well-capitalized line
27th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 57033 · OR B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2616/4307
  • PHOTO-FINISH MainStreet Bank · VA
  • TIER1-WELL 17.0% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-THIN 0.75% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: MainStreet Bank, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Willamette Valley Bank

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100MainStreet Bank · VA · near74/100Ohio State Bank · OH · near74/100Texas Advantage Comm… · TX ·…74/100Tradition Capital Bank · MN …74/100Willamette Valley Bank · OR …74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Willamette Valley Bank · July 2026

What Willamette Valley Bank's Call Report plate shows

Willamette Valley Bank (FDIC Cert #57033) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,616 of 4,307. Tier 1 capital prints at 16.98%, clearing the 10% well-capitalized line. The Texas Ratio is 1.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.75%. Balance-sheet scale is $452M, 1,922nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is MainStreet Bank (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Willamette Valley Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Willamette Valley Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Willamette Valley Bank remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

How Willamette Valley Bank's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Willamette Valley Bank's composite health score
Tier 1 Capital Ratio (16.98%) 40/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (1.09%) 20/20
Efficiency Ratio (83.45%) 0/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$452M

Total balance-sheet footings

Total Deposits

$330M

Customer-funded liabilities

Net Loans

$294M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.58% 16.98% 18.38%
Basel III capital ratios - Willamette Valley Bank

Where Willamette Valley Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Willamette Valley Bank's score of 74/100 falls in the highlighted band.

Willamette Valley Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Willamette Valley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Willamette Valley Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Willamette Valley Bank's $452M falls in the highlighted band.

Safety ratios for Willamette Valley Bank

Tier 1 capital ratio
Well-capitalized 10%

16.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.98%
Texas Ratio
1.09%
Equity Capital
$76M

What these ratios mean →

Profitability metrics: Willamette Valley Bank

Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
4.63%
Efficiency Ratio
83.45%

What these mean →

Income & expense at Willamette Valley Bank

$25M
Interest Income
$10M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Willamette Valley Bank reports a Texas Ratio of 1.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Willamette Valley Bank on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($452M here), outside Oregon so the neighborhood is not state containment.

Texas Champion Bank $453M · TX Planters First Bank $453M · GA First National Bank Minnesota $451M · MN United Cumberland Bank $454M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Willamette Valley Bank (FDIC Cert #57033) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Willamette Valley Bank Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Columbia BankRoseburg $66.8B A 1.00%
Summit BankEugene $1.3B A 1.17%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
Pioneer Trust Bank, National AssociationSalem $735M A 2.32%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%