SPRING VALLEY CITY BANK

SPRING VALLEY, IL | Small | Est. Nov. 1, 1905, midnight | FDIC #12087 | RSSD #452841 | FDIC
Latest Report: 2025-12-31

SPRING VALLEY CITY BANK is asn small FDIC-insured commercial bank headquartered in SPRING VALLEY, IL, established in Nov. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $214M and total deposits of $183M. Profitability stands at 0.59% ROA and 4.72% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 23.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.67%. FDIC Certificate #12087.

Assets

$214M

Deposits

$183M

Loans

$129M

Equity

$26M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 4.72%
Net Interest Margin (NIM) 3.23%
Yield on Assets 4.67%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.87%
Texas Ratio 0.67%
NPA Ratio 0.09%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 23.24%
Tier 1 Capital 23.24%
Total Capital Ratio 24.48%
Leverage Ratio 13.81%
Loan-to-Deposit 70.26%

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