Spring Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Spring Valley Bank is an FDIC-insured commercial bank headquartered in Wyoming, OH, established in 1997 (FDIC certificate 34386), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $113.6M, up 4.3% from Q2 2025, the 123rd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 34.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34386
- Headquarters
- Wyoming, OH
- Established
- 1997
- Total assets, Q2 2026
- $113.6M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 34.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 042215468
- Holding company
- SV BANCORP, INC.
- Asset rank in state
- 123rd of 154 in Ohio
Spring Valley Bank is one of the more profitable banks of its size. It reported $114 million in assets at June 30, 2026, up 4.3% from a year earlier. It earns about $3.18 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 22% from a year earlier, to $909,000. Over the same year, loans grew 6.7% and deposits shrank 5.4%. Funding is the softer spot: it pays an average of 3.20% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Spring Valley Bank reported a return on assets of 3.18%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 1.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Spring Valley Bank is the 123rd largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $113.6M, loans rose 0.4% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.1% of total loans, followed by owner-occupied commercial real estate loans at 23.5%. Its one office in the FDIC Summary of Deposits is in Wyoming, OH. Judged on its Q2 2026 call report, Spring Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1206 Springfield Pike, Wyoming, OH 45215
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 2, 1997
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $67.0M
- Allowance for credit losses
- $494K
- Net charge-offs (YTD)
- $0
- Average total assets
- $114.3M
- Average total loans
- $104.0M
- Average interest-bearing deposits
- $62.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 2, 1997
- FDIC Cert
- 34386
- Fed RSSD
- 2607412
- Website
- www.springvalleybank.com →
- Parent Holding Company
- SV BANCORP, INC. (RSSD 3464340)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Spring Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Spring Valley Bank's total assets ran between $90.2M (Q3 2023) and $118.0M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$113.6M total assets against $108.9M; $74.6M total liabilities against $71.0M.
$103.7M net loans and leases against $97.1M; $67.0M total deposits against $70.9M.
$0 securities against $0; $8.4M cash and balances due against $10.4M.
$2.2M total interest income against $2.1M; $596K total interest expense against $697K.
$1.6M net interest income against $1.4M.
$35K total noninterest income against $26K; $705K total noninterest expense against $686K.
-$2K provision for credit losses against $11K.
$909K net income against $744K.
3.18% return on assets against 2.73%; 5.54% net interest margin against 5.23%.
34.07% tier 1 leverage ratio against 34.69%.
Inside the full Spring Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Spring Valley Bank rankings
Its closest position to the top of a national ranking is 58 of 3,611, for ROA; its furthest is 3,570 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.67% (Q1 2026) to 4.03% (Q3 2024) and its net interest margin ran from 5.19% (Q1 2025) to 6.27% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.07% | 3.18% | 0.43% | 1.13% | 5.54% |
| Q1 2026 | 34.76% | 2.67% | 0.11% | 0.29% | 5.39% |
| Q4 2025 | 33.73% | 3.07% | 0.18% | 0.47% | 5.82% |
| Q3 2025 | 33.82% | 3.78% | 0.19% | 0.51% | 6.27% |
| Q2 2025 | 34.69% | 2.73% | 0.77% | 1.96% | 5.23% |
| Q1 2025 | 35.79% | 3.58% | 0.82% | 2.02% | 5.19% |
| Q4 2024 | 34.78% | 2.90% | 1.24% | 2.98% | 5.53% |
| Q3 2024 | 35.24% | 4.03% | 2.26% | 5.84% | 5.98% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spring Valley Bank (main office) | Wyoming , OH | 45215 | $67.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 160 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 95 applications, 65 loans originated, $24.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $473K approved, $473K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Spring Valley Bank
What are Spring Valley Bank's total assets?
As of the Q2 2026 filing, Spring Valley Bank reported total assets of $113.6 million in its FFIEC call report.
Where is Spring Valley Bank headquartered?
It is headquartered in Wyoming, OH, United States.
When was Spring Valley Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Spring Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spring Valley Bank?
Spring Valley Bank's primary federal regulator is the FDIC.
How many branches does Spring Valley Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spring Valley Bank's Texas Ratio?
Its Texas Ratio is 1.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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