Spring Valley City 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: 168.51 percentage points higher than in Q1 2026, at 1036.67%. Spring Valley City Bank ranks 211th of 323 Illinois banks on return on assets, in the lower half at 0.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Spring Valley City Bank sits 0.31 points lower, at 0.94% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.82% |
| Tier 1 risk-based capital ratio | 23.82% |
| Total risk-based capital ratio | 25.08% |
| Tier 1 leverage ratio | 13.86% |
| Equity capital to assets | 12.50% |
| Tangible equity to tangible assets | 12.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.84% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 1036.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 7.76% |
| Net interest margin | 3.22% |
| Efficiency ratio | 63.72% |
| Yield on earning assets | 4.46% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.99% |
| Core deposits to total deposits | 93.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.55% |
| Securities to assets | 32.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.13% | 22.13% | 23.39% | 13.28% | 0.45% |
| Q4 2023 | 21.70% | 21.70% | 22.96% | 12.57% | 0.35% |
| Q1 2024 | 22.49% | 22.49% | 23.75% | 13.24% | 0.28% |
| Q2 2024 | 22.77% | 22.77% | 24.03% | 13.37% | 0.53% |
| Q3 2024 | 23.43% | 23.43% | 24.69% | 13.69% | 0.39% |
| Q4 2024 | 22.38% | 22.38% | 23.63% | 13.42% | 0.49% |
| Q1 2025 | 22.79% | 22.79% | 24.04% | 13.98% | 0.48% |
| Q2 2025 | 23.61% | 23.61% | 24.70% | 13.85% | 0.64% |
| Q3 2025 | 24.22% | 24.22% | 25.38% | 14.10% | 0.65% |
| Q4 2025 | 23.24% | 23.24% | 24.48% | 13.81% | 0.58% |
| Q1 2026 | 24.17% | 24.17% | 25.42% | 14.06% | 0.72% |
| Q2 2026 | 23.82% | 23.82% | 25.08% | 13.86% | 0.94% |
Spring Valley City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12087) · FFIEC NIC profile (RSSD 452841)