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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

3.96%Q2 ’244.23%Q2 ’254.28%Q2 ’26+16%+9%

Non-interest income vs. expense

1.96%Q2 ’242.10%Q2 ’252.12%Q2 ’26+9%+0%

Executive Summary

  • Earnings: ROA of 0.97%, up 31 bps year over year; NIM at 3.07%.
  • 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 (quarter, annualized)

0.97%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+26 bps YoY

Efficiency Ratio (quarter, annualized)

65.07%-528 bps YoY

Tier 1 Leverage Ratio

13.86%0 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.67%0.59%0.72%0.97%+31 bps
Return on Equity5.45%5.39%4.72%5.82%7.76%+230 bps
Net Interest Margin2.81%2.88%2.94%2.89%3.07%+26 bps
Efficiency Ratio70.34%71.64%69.32%72.28%65.07%-528 bps
Non-Interest Burden1.92%2.01%1.98%2.04%1.93%+1 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 / Loans3.61%-0.11%0.00%0.00%0.00%-361 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