BanksSPRING VALLEY CITY BANK

SPRING VALLEY CITY BANK

SPRING VALLEY, ILSmallEst. Nov. 1, 1905, midnightFDIC #12087RSSD #452841FDIC
Latest · 2025-12-31

SPRING VALLEY CITY BANK is an 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%. CET1 capital ratio: 23.24%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 0.67%. Operates 2 domestic branches.

Assets
$214M
Deposits
$183M
Loans
$129M
Equity
$26M

Profitability

Return on Assets (ROA)0.59%
Return on Equity (ROE)4.72%
Net Interest Margin3.23%
Yield on Assets4.67%
Cost of Funds1.52%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio0.87%
Texas Ratio0.67%
NPA Ratio0.09%
ACL / Loans1.21%

Capital & Liquidity

CET1 Ratio23.24%
Tier 1 Capital23.24%
Total Capital Ratio24.48%
Leverage Ratio13.81%
Loan-to-Deposit70.26%

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