Spring Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.67 percentage points higher than in Q1 2026, at 105.50%. Among 156 Ohio banks, Spring Valley Bank sits 2nd from the top on loan-to-deposit ratio, 155.44% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Spring Valley Bank reported 155.44% on loan-to-deposit ratio in Q2 2026, 74.89 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.2M |
| Net loans and leases | $103.7M |
| Loans held for sale | $0 |
| Loans to total assets | 91.71% |
| Loan-to-deposit ratio | 155.44% |
| Net loans to equity capital | 2.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.72% |
| Multifamily (5+ residential) | 13.75% |
| Commercial and industrial | 2.79% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.50% |
| Construction concentration (Tier 1 capital + allowance) | 3.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.97% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $82.7M | $54.0M | 40.80% | 0.29% | 0.00% |
| Q4 2023 | $83.0M | $56.5M | 43.93% | 0.26% | 0.01% |
| Q1 2024 | $82.8M | $59.2M | 45.51% | 0.23% | 0.00% |
| Q2 2024 | $87.9M | $61.3M | 46.44% | 0.20% | 0.00% |
| Q3 2024 | $95.7M | $61.4M | 42.34% | 0.16% | 0.00% |
| Q4 2024 | $91.7M | $59.5M | 44.80% | 0.15% | 0.00% |
| Q1 2025 | $96.3M | $67.4M | 46.33% | 0.14% | 0.02% |
| Q2 2025 | $97.6M | $70.9M | 47.95% | 0.86% | 0.02% |
| Q3 2025 | $105.3M | $71.3M | 48.35% | 0.78% | 0.52% |
| Q4 2025 | $107.0M | $72.3M | 47.78% | 0.75% | 0.51% |
| Q1 2026 | $103.7M | $68.0M | 50.26% | 0.76% | 0.06% |
| Q2 2026 | $104.2M | $67.0M | 46.72% | 2.79% | 0.01% |
Spring Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spring Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34386) · FFIEC NIC profile (RSSD 2607412)