SPRING VALLEY BANK

WYOMING, OH | Small | Est. Sept. 2, 1997, midnight | FDIC #34386 | RSSD #2607412 | FDIC
Latest Report: 2025-12-31

SPRING VALLEY BANK is asn small FDIC-insured commercial bank headquartered in WYOMING, OH, established in Sept. 2, 1997, midnight. As of 2025-12-31, the bank reported total assets of $118M and total deposits of $72M. Profitability stands at 3.09% ROA and 9.21% ROE, with a net interest margin of 6.29%. The bank's CET1 capital ratio is 33.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.30%. FDIC Certificate #34386.

Assets

$118M

Deposits

$72M

Loans

$107M

Equity

$40M

Profitability

Return on Assets (ROA) 3.09%
Return on Equity (ROE) 9.21%
Net Interest Margin (NIM) 6.29%
Yield on Assets 8.70%
Cost of Funds 3.35%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio --
Texas Ratio 0.30%
NPA Ratio 0.10%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 33.64%
Tier 1 Capital 33.64%
Total Capital Ratio 35.32%
Leverage Ratio 33.73%
Loan-to-Deposit 148.05%

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