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
Unfavorable gap of $2.9M · efficiency ratio beats 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.32% | 0.35% | 0.56% | 1.05% | Beats 93% | 1 / 15 | | |
| Return on Equity | 6.76% | 1.73% | 4.99% | 6.76% | Beats 73% | 4 / 15 | | |
| Net Interest Margin | 5.48% | 2.85% | 3.21% | 3.42% | Beats 93% | 1 / 15 | | |
| Efficiency Ratio | 47.66% | 64.82% | 75.45% | 88.43% | Beats 100% | 1 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.12% | 0.43% | 1.30% | Beats 60% | 7 / 15 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | | |
| Capital |
| Tier 1 Capital Ratio | 34.07% | 13.11% | 14.76% | 20.06% | Beats 87% | 2 / 15 | | |
| Total Risk-Based Capital Ratio | 34.07% | 14.37% | 15.36% | 20.06% | Beats 87% | 2 / 15 | | |
| Equity / Assets | 34.35% | 10.14% | 11.33% | 20.42% | Beats 93% | 1 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 155.44% | 80.04% | 97.18% | 103.56% | 93rd pctl | 1 / 15 | | |
| Loans / Assets | 91.71% | 68.16% | 75.18% | 82.63% | 93rd pctl | 1 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |