Spring Valley City Bank
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Data as of · sourced from FFIEC call reports. How we update
Spring Valley City Bank is an FDIC-insured commercial bank headquartered in Spring Valley, IL, established in 1905 (FDIC certificate 12087), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $207.0M, up 0.9% from Q2 2025, the 188th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 23.82% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12087
- Headquarters
- Spring Valley, IL
- Established
- 1905
- Total assets, Q2 2026
- $207.0M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 23.82%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071115995
- Holding company
- SPRING VALLEY BANCORP, INC.
- Asset rank in state
- 188th of 319 in Illinois
Spring Valley City Bank carries far more capital than most banks of its size. Based in Spring Valley, Illinois, it had $207 million in assets at June 30, 2026. It holds common equity equal to 23.82% of its risk-weighted assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 3.22 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $503,000, 50% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.18% of loans from 0.87%. Profitability lags: it returns 7.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Spring Valley City Bank reported a CET1 capital ratio of 23.82%, a return on assets of 0.94%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Spring Valley City Bank is the 188th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $207.0M, loans rose 0.4% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.7% of total loans, ahead of farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists 2 offices for it, in Spring Valley, IL and Peru, IL; its Spring Valley office books 91% of its branch deposits. On its Q2 2026 call report, Spring Valley City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 315 N Cornelia St, Spring Valley, IL 61362
- County
- Bureau
- Metro Area
- Ottawa, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1905
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $179.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $213.0M
- Average total loans
- $124.4M
- Average interest-bearing deposits
- $147.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12087
- Fed RSSD
- 452841
- Website
- www.svcb.com →
- Parent Holding Company
- SPRING VALLEY BANCORP, INC. (RSSD 1139596)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Spring Valley City Bank's total assets ran between $204.8M (Q3 2025) and $217.4M (Q4 2023), 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
$207.0M total assets against $205.2M; $181.1M total liabilities against $180.4M.
$123.8M net loans and leases against $125.9M; $179.1M total deposits against $175.6M.
$66.4M securities against $59.6M; $9.3M cash and balances due against $11.8M.
$2.3M total interest income against $2.2M; $646K total interest expense against $746K.
$1.6M net interest income against $1.5M.
$99K total noninterest income against $92K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $67K.
$503K net income against $336K.
0.94% return on assets against 0.64%; 3.22% net interest margin against 2.92%.
23.82% CET1 capital ratio against 23.61%; 13.86% tier 1 leverage ratio against 13.85%.
Inside the full Spring Valley City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSpring Valley City Bank rankings
Its closest position to the top of a national ranking is 190 of 2,134, for CET1 ratio; its furthest is 2,773 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q3 2024) to 0.94% (Q2 2026) and its net interest margin ran from 2.56% (Q3 2024) to 3.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.82% | 0.94% | 0.18% | 0.84% | 3.22% |
| Q1 2026 | 24.17% | 0.72% | 0.14% | 0.65% | 3.03% |
| Q4 2025 | 23.24% | 0.58% | 0.19% | 0.91% | 3.08% |
| Q3 2025 | 24.22% | 0.65% | 0.15% | 0.69% | 3.02% |
| Q2 2025 | 23.61% | 0.64% | 0.87% | 4.25% | 2.92% |
| Q1 2025 | 22.79% | 0.48% | 4.69% | 23.20% | 2.69% |
| Q4 2024 | 22.38% | 0.49% | 1.56% | 8.03% | 2.72% |
| Q3 2024 | 23.43% | 0.39% | 1.90% | 9.02% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 City Bank (main office) | Spring Valley , IL | 61362 | $162.6M |
| Spring Valley City Bank Peru | Peru , IL | 61354 | $16.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 223 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 City Bank
What are Spring Valley City Bank's total assets?
As of the Q2 2026 filing, Spring Valley City Bank reported total assets of $207.0 million in its FFIEC call report.
Where is Spring Valley City Bank headquartered?
It is headquartered in Spring Valley, IL, United States.
When was Spring Valley City Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Spring Valley City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spring Valley City Bank?
Spring Valley City Bank's primary federal regulator is the FDIC.
What is Spring Valley City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Spring Valley City Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spring Valley City Bank's Texas Ratio?
Its Texas Ratio is 0.84% 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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