# WILLAMETTE COMMUNITY BANK
ALBANY, OR · FDIC certificate 57513 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $218.3M | |
| Deposits | $196.5M | |
| Loans and leases | $143.0M | |
| Total equity | $20.6M | |
| Loans / deposits | 71.91% (p58 of band) | 68.14% |
| Liquid assets / assets | 30.56% (p33 of band) | |
| Uninsured deposits / deposits | 36.71% (p93 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p34 of band) | 10.68% |
| Unrealized securities loss / equity | 3.36% (p58 of band) | 2.41% |
| AOCI / equity | 0.47% (p36 of band) | |
| ROA (annualized) | 0.33% (p15 of band) | 0.92% |
| Net interest margin | 3.85% (p70 of band) | 3.52% |
| Efficiency ratio | 84.49% (p81 of band) | |
| Noncurrent loans | 0.49% (p53 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 243.55% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 45.30% (p80 of band) | |
| Auto loans | $52,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 51.9% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 0 |  | brokered >10% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | losing money |  |
| 2014-09 | 1 | capital falling | losing money |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 2 |  | noncurrent p90 |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-24 [GESA Credit Union to Acquire an Oregon Community Bank in 2027 - NEWStalk 870](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBocWtsVnJhWDJGUjJNWmpCZTRKSFdiNlA5TkUyQ3pFSzE3Y1p0WFJYRFdaX1h4eWtMWTdpd3pXa0daMGxwZGFjYjhqU2o1ZmJvUnBwZUNMMjM4NTNMekVmSw?oc=5) · NEWStalk 870
- 2022-10-04 [Seattle-Based Meridian Capital Expands Into Portland - oregonbusiness.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeVQzeVZGSTA2WElhMGlxWVdqeTdrMjMzeFJqVE9HbHljNGJzZ2dndFJFUXFwX0FaSjBMU1Jrdm8tcUF6azVqbWtMVms5WjBGQ2hYNjhXNzEwZkV4M0xjVFZtUTk4SlphVDdyNktDZEhNSERZdHlZdTEzQWVVWFl5eGl5ckRPWi1vdlBhUjM0UQ?oc=5) · oregonbusiness.com
- 2022-12-14 [Medford Woman elected chair of the Oregon Bankers Association - kdrv.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPbFZHNHIwWjBxN19sU0xUNnZPa3FRTDJPaGJyM1g3NXRMaWsyU3FOaVlDT19JaGNyRkV6bkVWWlFWakotU0NWRU52MjNJUUMzbUxQRTZzX09jdEJmbkRXcGFBVnJBSFc0QzhFRzJNbHJ6ellFM19EVUJpVVR6bklXcHc3MEhUeTlFcDlWVHdLWk11aXNaUHloUnJ3UmJ2NmVUdXAxY0lZNUNUTHZwamlhOVJENzd5TlVlekpKTDNfVUkyN1RwVTN5SVB0Yl9aZ3dhWlRN?oc=5) · kdrv.com
- 2025-04-25 [PBCO Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE40NndEZGV6SlBBVGtveTNVT21GblAzLWp2ZjVkTTBaVkxRZ3V0ZHVhcFBEUU1tRm5hV2pkTFRoS1lnSVBXTUZINVhVN0puaGdaUlZj?oc=5) · Stock Titan
- 2021-11-17 [The Columbia-Umpqua Not-Quite Merger, Explained - oregonbusiness.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUHVVNVJCS25QMmVUb0ZDX3RmeE9OUGp0QlZuaW5Vd1BGWlM4Y0t2b2NoYUlRMEVfYnpZSC1HcTZRS1F2d2FjTGpuN3V4SER3aXl3TXZtYTRQYjRSdUgtNzdwVURFV0YwZzlaeGcyTktVSE9zYVhLUk1RNHFCT183X24tcm1mZ2s?oc=5) · oregonbusiness.com
- 2012-07-25 [Veracity Spirits: A local flavoring of gin - The Corvallis Advocate](https://news.google.com/rss/articles/CBMifEFVX3lxTFB5RU1nUkYxX1pkeS1PUEI0dHNGM2RNTjJydkJNYXl4Zzd4UDdCcTRMNTdRT0U4UGFoTFZEUnNPaTJYeXo5Rk04TlFrWXBKMHlENUx6LWFkaTlOLXlqMmZwcUxEZ1dhaGhINHRwSWlSV3owUUNEOVFDSFQ4SnE?oc=5) · The Corvallis Advocate
- 2014-09-18 [Old thrift store will become offices - hh-today.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1UZFVOaDNkOFYzakI0dW5xcVhMWl9UcUotWHlrSlRXZXdMTTN2Y1lYbEkxNWJyMjJuNmRmS0RGNnJFbjE1ZzJld0l3TG5aN3ZYNkRmRDEzVy1GWVV1YmNrdG9fWk1RblpRWkE?oc=5) · hh-today.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57513 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "57513", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide