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Overview / Commentary
333 Lyon Street SE
Albany, OR 97321

Willamette Community Bank is headquartered in Albany and is the 24th largest bank in the state of Oregon. It is also the 5,087th largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 22 employees at 2 locations. Willamette Community Bank has a A health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Willamette Community Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Willamette Community Bank had $16,000 in non-current loans and owned real-estate with $9.81 million in equity and loan loss allowances on hand to cover it. This gives Willamette Community Bank a Texas Ratio of 0.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Willamette Community Bank decreased dramatically from 5.85% as of December 31, 2012 to 0.16% as of December 31, 2013, resulting in a positive change of 97.21%.This indicates that the balance sheet and financial strength for Willamette Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Willamette Community Bank has increased its total deposits by $106,000, resulting in 0.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Willamette Community Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Willamette Community Bank has $86.23 million in assets with $9.81 million in equity, resulting in a capitalization level of 11.38%, which is excellent.

Institution Statistics

FDIC Certificate #57513
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$86.23 million
Loans$62.50 million
Deposits$77.10 million
Equity Capital$9.02 million
Loan Loss Allowance$788,000
Real Estate Owned$16,000
Historic Data - December 2012
Assets$85.57 million
Equity Capital$8.42 million
Loan Loss Allowance$763,000
Unbacked Noncurrent Loans$0
Real Estate Owned$16,000
Profit Margin - Quarterly
Net Interest Margin4.12%
Return on Assets0.46%
Return on Equity4.64%
Interest Income$3.73 million

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Willamette Community Bank Locations
Lebanon Branch1495 S. MainLebanon, OR 97355
Willamette Community Bank333 Lyon Street, S.E.Albany, OR 97321