Spring Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spring Valley Bank of Wyoming, OH against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.18% | 1.25% | +1.93% | 98th top |
| ROAE | 9.16% | 12.22% | -3.06% | 30th below |
| Net Interest Margin | 5.54% | 3.95% | +1.59% | 97th top |
| Efficiency Ratio | 43.73% | 63.71% | -19.98% | 91st top |
| PPNR / Avg Assets | 3.17% | — | — | 97th top |
| Yield on Earning Assets | 7.63% | 5.67% | +1.96% | 98th top |
| Cost of Funds | 3.20% | 1.87% | +1.33% | 3rd bottom |
| Net Interest Spread | 4.21% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.88% | -0.45% | 49th below |
| NPA / Total Assets | 0.39% | — | — | 44th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.47% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 110.51% | — | — | 30th below |
| Texas Ratio | 1.13% | 5.96% | -4.83% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 34.07% | 11.75% | +22.32% | 99th top |
| Equity / Assets | 34.35% | 10.98% | +23.37% | 99th top |
| TCE / Tangible Assets | 34.28% | — | — | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 155.44% | 80.44% | +75.00% | 0th bottom |
| Core Deposit Ratio | 69.87% | 86.95% | -17.08% | 5th bottom |
| Wholesale Funding Ratio | 6.25% | — | — | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.33% | — | — | 49th below |
| Loan Growth (Y/Y) | 6.70% | — | — | 57th above |
| Deposit Growth (Y/Y) | -5.43% | — | — | 6th bottom |
See Spring Valley Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spring Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spring Valley Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Spring Valley Bank peer analysis.