Spring Valley City Bank
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
$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 151).
- Widest gap: net interest margin trails 79% of banks under $1B in assets in IL (rank 120 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 35% of banks under $1B in assets in IL | 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 |