PackageTrendsPeer
Letter portraitLegal landscape

Spring Valley Bank

Wyoming, OH · Cert 34386 · SV Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Cincinnati, OH-KY-IN area3

Basis

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.

Peer group

Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Spring Valley Bank

Wyoming, OH · Cert 34386 · SV Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$113.6MAssets
$104.2MLoans
$67.0MDeposits
$39.0MEquity
Loan mix
99%RE $102.4M1%C&I $0.8M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $61.9M8%Noninterest $5.1MQ2 2025Q2 2026

NIM

7.62%Q2 ’247.57%Q2 ’257.58%Q2 ’26-7%+7%

Non-interest income vs. expense

2.24%Q2 ’242.54%Q2 ’252.66%Q2 ’26-10%+33%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #40 of 54 inst. · $0.1B of $187.5B

Executive Summary

  • Earnings: ROA of 2.28%, down 17 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 0.43% of loans (-34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 34.07%, down 62 bps from a year ago.
  • Funding: loans stand at 155.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.28%-17 bps YoY

Net Interest Margin (YTD, annualized)

5.48%+35 bps YoY

Efficiency Ratio (YTD, annualized)

47.66%+348 bps YoY

Tier 1 Leverage Ratio

34.07%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.45%2.63%2.59%2.08%2.28%-17 bps
Return on Equity7.07%7.66%7.58%6.07%6.65%-42 bps
Net Interest Margin5.14%5.33%5.33%5.37%5.48%+35 bps
Efficiency Ratio44.19%42.20%43.28%51.68%47.66%+348 bps
Non-Interest Burden1.92%2.01%2.13%2.74%2.56%+64 bps
Growth
Asset Growth (YoY)7.62%7.41%12.07%1.28%4.33%-329 bps
Loan Growth (YoY)11.07%10.01%16.76%7.76%6.70%-437 bps
Deposit Growth (YoY)15.54%16.08%21.44%0.87%-5.43%-2,097 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.19%0.18%0.11%0.43%-34 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.49%0.47%0.48%0.48%0.47%-2 bps
Allowance Coverage of NPLs0.6x2.5x2.7x4.3x1.1x+0.5x
Capital
Tier 1 Leverage Ratio34.69%33.82%33.73%34.76%34.07%-62 bps
Total Risk-Based Capital34.69%33.82%33.73%34.76%34.07%-62 bps
Equity / Assets34.74%33.46%33.64%34.83%34.35%-39 bps
Liquidity & Funding
Loans / Deposits137.76%147.69%148.05%152.47%155.44%+1,768 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a170.91%168.90%163.65%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Spring Valley Bank

Wyoming, OH · Cert 34386 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · SV Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$113.6MAssets
$104.2MLoans
$67.0MDeposits
$39.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 15).
  • Widest gap: nonperforming loans / loans trails 40% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 7 of 15).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.32%

Rank 1 of 15

Net Interest Margin

5.48%

Rank 1 of 15

Efficiency Ratio

47.66%

Rank 1 of 15

Equity / Assets

34.35%

Rank 1 of 15

Non-interest income vs. expense

$0.1M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area
Bank 47.66%Peer median 75.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.32%0.35%0.56%1.05%Beats 93%1 / 15
Return on Equity6.76%1.73%4.99%6.76%Beats 73%4 / 15
Net Interest Margin5.48%2.85%3.21%3.42%Beats 93%1 / 15
Efficiency Ratio47.66%64.82%75.45%88.43%Beats 100%1 / 15
Asset Quality
Nonperforming Loans / Loans0.43%0.12%0.43%1.30%Beats 60%7 / 15
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%8 / 15
Capital
Tier 1 Capital Ratio34.07%13.11%14.76%20.06%Beats 87%2 / 15
Total Risk-Based Capital Ratio34.07%14.37%15.36%20.06%Beats 87%2 / 15
Equity / Assets34.35%10.14%11.33%20.42%Beats 93%1 / 15
Liquidity & Funding
Loans / Deposits155.44%80.04%97.18%103.56%93rd pctl1 / 15
Loans / Assets91.71%68.16%75.18%82.63%93rd pctl1 / 15
Brokered Deposits / Depositsn/aNot reported for this institution