PackageTrendsPeer
Letter portraitLegal landscape

Spring Valley City Bank

Spring Valley, IL · Cert 12087 · Spring Valley Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=147 to 149). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Spring Valley City Bank

Spring Valley, IL · Cert 12087 · Spring Valley Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$207.0MAssets
$125.4MLoans
$179.1MDeposits
$25.9MEquity
Loan mix
78%RE $92.0M19%C&I $22.3M4%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $145.5M19%Noninterest $33.6MQ2 2025Q2 2026

NIM

3.91%Q2 ’244.15%Q2 ’254.18%Q2 ’26+15%+10%

Non-interest income vs. expense

2.03%Q2 ’242.13%Q2 ’252.16%Q2 ’26+6%+1%

Executive Summary

  • Earnings: ROA of 0.84%, up 27 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.18% of loans (-69 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.86%, unchanged from a year ago.
  • Funding: loans stand at 69.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+27 bps YoY

Efficiency Ratio (YTD, annualized)

68.55%-571 bps YoY

Tier 1 Leverage Ratio

13.86%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.60%0.59%0.72%0.84%+27 bps
Return on Equity4.85%5.02%4.95%5.82%6.79%+194 bps
Net Interest Margin2.69%2.77%2.78%2.89%2.97%+27 bps
Efficiency Ratio74.26%73.36%72.29%72.28%68.55%-571 bps
Non-Interest Burden1.96%1.98%1.96%2.04%1.98%+2 bps
Growth
Asset Growth (YoY)-1.66%-2.71%1.53%1.91%0.87%+253 bps
Loan Growth (YoY)-5.62%-3.93%-4.18%-6.35%-1.51%+411 bps
Deposit Growth (YoY)1.17%0.05%4.39%3.05%1.98%+81 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.15%0.19%0.14%0.18%-69 bps
Net Charge-Offs / Loans1.81%1.18%0.87%0.00%0.00%-181 bps
Allowance / Loans1.06%1.12%1.21%1.24%1.24%+19 bps
Allowance Coverage of NPLs1.2x7.5x6.2x8.6x6.8x+5.6x
Capital
Tier 1 Leverage Ratio13.85%14.10%13.81%14.06%13.86%0 bps
Total Risk-Based Capital24.70%25.38%24.48%25.42%25.08%+38 bps
Equity / Assets12.07%12.70%12.17%12.41%12.50%+43 bps
Liquidity & Funding
Loans / Deposits72.47%72.59%70.26%68.88%69.99%-248 bps
Liquid Assets / Assets5.02%5.24%7.80%6.42%3.94%-108 bps
CRE / Total Capitaln/a112.03%115.81%115.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Spring Valley City Bank

Spring Valley, IL · Cert 12087 · Peer group: banks under $1B in assets in IL (n=147-149) · Spring Valley Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$207.0MAssets
$125.4MLoans
$179.1MDeposits
$25.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets in IL (rank 16 of 149).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets in IL (rank 119 of 149).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.85%

Rank 98 of 149

Net Interest Margin

2.97%

Rank 119 of 149

Efficiency Ratio

68.55%

Rank 100 of 149

Equity / Assets

12.50%

Rank 37 of 149

Non-interest income vs. expense

$0.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 34% of banks under $1B in assets in IL
Bank 68.55%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.74%1.04%1.34%Beats 34%98 / 149
Return on Equity6.82%6.82%9.34%12.94%Beats 26%111 / 149
Net Interest Margin2.97%3.04%3.43%3.83%Beats 20%119 / 149
Efficiency Ratio68.55%54.64%64.55%71.82%Beats 34%100 / 149
Asset Quality
Nonperforming Loans / Loans0.18%0.19%0.65%1.77%Beats 77%35 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 71%43 / 147
Capital
Tier 1 Capital Ratio23.82%11.87%14.21%18.66%Beats 88%18 / 149
Total Risk-Based Capital Ratio25.08%12.22%14.72%19.92%Beats 89%16 / 149
Equity / Assets12.50%9.24%10.65%12.40%Beats 75%37 / 149
Liquidity & Funding
Loans / Deposits69.99%53.80%70.99%80.75%48th pctl77 / 147
Loans / Assets60.58%46.03%61.30%67.68%48th pctl78 / 149
Brokered Deposits / Depositsn/aNot reported for this institution