Spring Valley City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spring Valley City Bank of Spring Valley, IL against its peer group of 2672 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 | 0.94% | 1.34% | -0.40% | 30th below |
| ROAE | 7.76% | 13.32% | -5.56% | 24th bottom |
| Net Interest Margin | 3.22% | 3.93% | -0.71% | 17th bottom |
| Efficiency Ratio | 63.72% | 61.14% | +2.58% | 43rd below |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 4.46% | 5.67% | -1.21% | 8th bottom |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 74th above |
| Net Interest Spread | 2.69% | 3.32% | -0.63% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 1036.67% | 1538.78% | -502.11% | — |
| Texas Ratio | 0.84% | 7.33% | -6.49% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.82% | 19.50% | +4.32% | 86th top |
| Tier 1 Ratio | 23.82% | 19.53% | +4.29% | 86th top |
| Total Capital Ratio | 25.08% | 20.62% | +4.46% | 87th top |
| Leverage Ratio | 13.86% | 12.14% | +1.72% | 81st top |
| Equity / Assets | 12.50% | 11.37% | +1.13% | 75th top |
| TCE / Tangible Assets | 12.50% | 11.09% | +1.41% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.99% | 80.64% | -10.65% | 70th above |
| Core Deposit Ratio | 93.34% | 86.86% | +6.48% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.87% | 6.85% | -5.98% | 25th below |
| Loan Growth (Y/Y) | -1.51% | 7.90% | -9.41% | 17th bottom |
| Deposit Growth (Y/Y) | 1.98% | 6.29% | -4.31% | 35th below |
See Spring Valley City Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spring Valley City 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 City Bank profile, how to read a UBPR, or how this data updates.