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
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.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
76
Profitability
28
Liquidity
96
Efficiency
35
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.
Spring Valley, IL · Cert 12087 · Spring Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.43% | 0.49% | 0.57% | 0.60% | 0.59% | 0.72% | 0.84% | +27 bps | |
| Return on Equity | 3.66% | 3.87% | 4.20% | 4.85% | 5.02% | 4.95% | 5.82% | 6.79% | +194 bps | |
| Net Interest Margin | 2.41% | 2.44% | 2.59% | 2.69% | 2.77% | 2.78% | 2.89% | 2.97% | +27 bps | |
| Efficiency Ratio | 81.08% | 79.99% | 78.51% | 74.26% | 73.36% | 72.29% | 72.28% | 68.55% | -571 bps | |
| Non-Interest Burden | 1.92% | 1.91% | 2.00% | 1.96% | 1.98% | 1.96% | 2.04% | 1.98% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | -2.96% | -4.47% | -1.66% | -2.71% | 1.53% | 1.91% | 0.87% | +253 bps | |
| Loan Growth (YoY) | -4.59% | -3.56% | -1.08% | -5.62% | -3.93% | -4.18% | -6.35% | -1.51% | +411 bps | |
| Deposit Growth (YoY) | 0.27% | 0.65% | 0.35% | 1.17% | 0.05% | 4.39% | 3.05% | 1.98% | +81 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.90% | 1.56% | 4.69% | 0.87% | 0.15% | 0.19% | 0.14% | 0.18% | -69 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.33% | 0.01% | 1.81% | 1.18% | 0.87% | 0.00% | 0.00% | -181 bps | |
| Allowance / Loans | 2.15% | 1.81% | 1.82% | 1.06% | 1.12% | 1.21% | 1.24% | 1.24% | +19 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 0.4x | 1.2x | 7.5x | 6.2x | 8.6x | 6.8x | +5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.69% | 13.42% | 13.98% | 13.85% | 14.10% | 13.81% | 14.06% | 13.86% | 0 bps | |
| Total Risk-Based Capital | 24.69% | 23.63% | 24.04% | 24.70% | 25.38% | 24.48% | 25.42% | 25.08% | +38 bps | |
| Equity / Assets | 11.84% | 11.21% | 11.93% | 12.07% | 12.70% | 12.17% | 12.41% | 12.50% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.60% | 76.54% | 75.79% | 72.47% | 72.59% | 70.26% | 68.88% | 69.99% | -248 bps | |
| Liquid Assets / Assets | 8.16% | 6.91% | 5.45% | 5.02% | 5.24% | 7.80% | 6.42% | 3.94% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 112.03% | 115.81% | 115.00% | n/a | n/a | |
Spring Valley, IL · Cert 12087 · Peer group: banks under $1B in assets in IL (n=149-151) · Spring Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.85%
Rank 97 of 151
Net Interest Margin
2.97%
Rank 120 of 151
Efficiency Ratio
68.55%
Rank 99 of 151
Equity / Assets
12.50%
Rank 37 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.70% | 1.03% | 1.34% | Beats 36% | 97 / 151 | ||
| Return on Equity | 6.82% | 6.74% | 9.34% | 12.94% | Beats 26% | 112 / 151 | ||
| Net Interest Margin | 2.97% | 3.02% | 3.43% | 3.83% | Beats 21% | 120 / 151 | ||
| Efficiency Ratio | 68.55% | 54.64% | 64.89% | 72.50% | Beats 35% | 99 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.20% | 0.66% | 1.77% | Beats 78% | 34 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 73% | 41 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.82% | 11.83% | 14.17% | 18.66% | Beats 88% | 18 / 151 | ||
| Total Risk-Based Capital Ratio | 25.08% | 12.22% | 14.54% | 19.92% | Beats 89% | 16 / 151 | ||
| Equity / Assets | 12.50% | 9.10% | 10.65% | 12.40% | Beats 75% | 37 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.99% | 54.39% | 71.02% | 80.75% | 47th pctl | 79 / 149 | ||
| Loans / Assets | 60.58% | 45.91% | 61.31% | 68.01% | 47th pctl | 80 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||