Bank Comparison
Spring Valley Bank vs Adelphi Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 9
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 34.76% | 16.52% |
| Equity / Assets | 34.83% | 16.06% |
Profitability
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| Return on Assets (ROA) | 2.67% | 0.15% |
| Return on Equity (ROE) | 7.72% | 0.92% |
| Net Interest Margin (NIM) | 5.39% | 4.71% |
| Yield on Earning Assets | 7.48% | 6.64% |
| Cost of Funds | 3.16% | 2.34% |
Asset quality
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| Texas Ratio | 0.29% | 0.00% |
| Non-Performing Loan Ratio | 0.11% | 0.00% |
| Non-Performing Asset Ratio | 0.10% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.48% | 1.29% |
Balance sheet
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| Total Assets | $115,777K | $116,980K |
| Total Deposits | $68,034K | $96,866K |
| Total Loans | $103,731K | $93,908K |
| Total Equity | $40,329K | $18,782K |
| Net Income (quarter) | $772 | $43 |
Liquidity & funding
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 152.47% | 96.95% |
| Core Deposit Ratio | 94.39% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Spring Valley Bank | Adelphi Bank |
|---|---|---|
| Headquarters City | WYOMING | COLUMBUS |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 24 |
| Established | Sept. 2, 1997, midnight | Jan. 18, 2023, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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