TWIN VALLEY BANK, THE

WEST ALEXANDRIA, OH | Small | Est. Jan. 1, 1888, midnight | FDIC #13802 | RSSD #381026 | FED
Latest Report: 2025-12-31

TWIN VALLEY BANK, THE is asn small FDIC-insured commercial bank headquartered in WEST ALEXANDRIA, OH, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $146M and total deposits of $135M. Profitability stands at 1.02% ROA and 15.14% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.81%. FDIC Certificate #13802.

Assets

$146M

Deposits

$135M

Loans

$94M

Equity

$10M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 15.14%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.48%
Cost of Funds 1.27%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.81%
NPA Ratio 0.06%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.39%
Leverage Ratio 8.54%
Loan-to-Deposit 69.85%

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