Spring Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 315.98 percentage points lower than in Q1 2026, at 110.51%. On return on assets, Spring Valley Bank ranks 4th highest among the 156 banks headquartered in Ohio, at 3.18% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Spring Valley Bank reported 3.18% on return on assets in Q2 2026, 1.92 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 34.07% |
| Equity capital to assets | 34.35% |
| Tangible equity to tangible assets | 34.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.13% |
| Allowance for credit losses to loans | 0.47% |
| Reserve coverage of non-performing loans | 110.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.18% |
| Return on equity | 9.16% |
| Net interest margin | 5.54% |
| Efficiency ratio | 43.73% |
| Yield on earning assets | 7.63% |
| Cost of funds | 3.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 155.44% |
| Core deposits to total deposits | 69.87% |
| Brokered deposits to total deposits | 23.42% |
| Deposits to assets | 59.00% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 37.33% | 3.40% | 5.48% | 0.35% | 0.00% |
| Q4 2023 | 37.45% | 3.88% | 5.58% | 0.35% | 0.00% |
| Q1 2024 | 36.73% | 3.97% | 5.61% | 0.78% | 0.09% |
| Q2 2024 | 36.69% | 3.33% | 5.57% | 0.30% | 0.00% |
| Q3 2024 | 35.24% | 4.03% | 5.98% | 0.47% | 0.00% |
| Q4 2024 | 34.78% | 2.90% | 5.53% | 0.93% | 0.00% |
| Q1 2025 | 35.79% | 3.58% | 5.19% | 0.82% | 0.00% |
| Q2 2025 | 34.69% | 2.73% | 5.23% | 0.77% | 0.00% |
| Q3 2025 | 33.82% | 3.78% | 6.27% | 0.19% | 0.00% |
| Q4 2025 | 33.73% | 3.07% | 5.82% | 0.11% | 0.00% |
| Q1 2026 | 34.76% | 2.67% | 5.39% | 0.11% | 0.00% |
| Q2 2026 | 34.07% | 3.18% | 5.54% | 0.43% | 0.00% |
Spring Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)