PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $4.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $145.5M19%Noninterest $33.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.43%0.49%0.57%0.60%0.59%0.72%0.84%+27 bps
Return on Equity3.66%3.87%4.20%4.85%5.02%4.95%5.82%6.79%+194 bps
Net Interest Margin2.41%2.44%2.59%2.69%2.77%2.78%2.89%2.97%+27 bps
Efficiency Ratio81.08%79.99%78.51%74.26%73.36%72.29%72.28%68.55%-571 bps
Non-Interest Burden1.92%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 / Loans1.90%1.56%4.69%0.87%0.15%0.19%0.14%0.18%-69 bps
Net Charge-Offs / Loans0.05%0.33%0.01%1.81%1.18%0.87%0.00%0.00%-181 bps
Allowance / Loans2.15%1.81%1.82%1.06%1.12%1.21%1.24%1.24%+19 bps
Allowance Coverage of NPLs1.1x1.2x0.4x1.2x7.5x6.2x8.6x6.8x+5.6x
Capital
Tier 1 Leverage Ratio13.69%13.42%13.98%13.85%14.10%13.81%14.06%13.86%0 bps
Total Risk-Based Capital24.69%23.63%24.04%24.70%25.38%24.48%25.42%25.08%+38 bps
Equity / Assets11.84%11.21%11.93%12.07%12.70%12.17%12.41%12.50%+43 bps
Liquidity & Funding
Loans / Deposits75.60%76.54%75.79%72.47%72.59%70.26%68.88%69.99%-248 bps
Liquid Assets / Assets8.16%6.91%5.45%5.02%5.24%7.80%6.42%3.94%-108 bps
CRE / Total Capitaln/an/an/an/a112.03%115.81%115.00%n/an/a