Spring Valley, IL · Cert 12087 · Spring Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.51% | 0.49% | 0.65% | 0.67% | 0.59% | 0.72% | 0.97% | +31 bps | |
| Return on Equity | 3.44% | 4.40% | 4.20% | 5.45% | 5.39% | 4.72% | 5.82% | 7.76% | +230 bps | |
| Net Interest Margin | 2.48% | 2.62% | 2.59% | 2.81% | 2.88% | 2.94% | 2.89% | 3.07% | +26 bps | |
| Efficiency Ratio | 82.40% | 76.97% | 78.51% | 70.34% | 71.64% | 69.32% | 72.28% | 65.07% | -528 bps | |
| Non-Interest Burden | 2.01% | 1.98% | 2.00% | 1.92% | 2.01% | 1.98% | 2.04% | 1.93% | +1 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 | 0.00% | 1.18% | 0.01% | 3.61% | -0.11% | 0.00% | 0.00% | 0.00% | -361 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 | |