The Twin Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
The Twin Valley Bank is an FDIC-insured commercial bank headquartered in West Alexandria, OH, established in 1888 (FDIC certificate 13802), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $137.6M, down 0.7% from Q2 2025, the 114th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13802
- Headquarters
- West Alexandria, OH
- Established
- 1888
- Total assets, Q2 2026
- $137.6M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 9.23%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 042208174
- Latest call report
- Q2 2026, FFIEC 041 · The Twin Valley Bank call report
- Asset rank in state
- 114th of 154 in Ohio
The Twin Valley Bank is one of the more profitable banks of its size. The West Alexandria, Ohio bank had $138 million in assets at June 30, 2026. It returns 21.9% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also lost 1.8% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $564,000, 98% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.1 million equal 24% of Tier 1 capital, down from 36% a year earlier. Where it has less room is capital: it funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Twin Valley Bank reported a return on assets of 1.61%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Twin Valley Bank is the 114th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $137.6M, loans fell 1.6% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.1% of total loans, ahead of owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in OH; its West Alexandria office books 56% of its branch deposits. Judged on its Q2 2026 call report, The Twin Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 E Dayton St, West Alexandria, OH 45381
- County
- Preble
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1888
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $126.5M
- Allowance for credit losses
- $818K
- Net charge-offs (YTD)
- $29K
- Average total assets
- $139.8M
- Average total loans
- $92.5M
- Average interest-bearing deposits
- $110.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1934
- FDIC Cert
- 13802
- Fed RSSD
- 381026
- Website
- www.twinvalleybank.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Twin Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Twin Valley Bank's total assets moved between a low of $124.0M (Q3 2023) and a high of $145.6M (Q4 2025) from Q3 2023 to Q2 2026, 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
$137.6M total assets against $138.6M; $127.2M total liabilities against $130.1M.
$91.8M net loans and leases against $91.5M; $126.5M total deposits against $128.8M.
$28.9M securities against $33.5M; $5.7M cash and balances due against $2.5M.
$1.8M total interest income against $1.7M; $440K total interest expense against $416K.
$1.3M net interest income against $1.3M.
$409K total noninterest income against $97K; $1.1M total noninterest expense against $1.0M.
$15K provision for credit losses against $23K.
$564K net income against $285K.
1.61% return on assets against 0.82%; 4.25% net interest margin against 4.23%.
9.23% tier 1 leverage ratio against 8.53%.
Inside the full The Twin Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Twin Valley Bank rankings
Its closest position to the top of a national ranking is 1,073 of 3,611, for ROA; its furthest is 3,393 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q1 2026) to 1.61% (Q2 2026) and its net interest margin ran from 3.83% (Q1 2025) to 4.28% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.23% | 1.61% | 0.08% | 2.65% | 4.25% |
| Q1 2026 | 8.89% | 0.56% | 0.29% | 2.53% | 3.94% |
| Q4 2025 | 8.54% | 1.02% | 0.09% | 0.81% | 4.28% |
| Q3 2025 | 8.39% | 0.83% | 0.05% | 0.49% | 4.24% |
| Q2 2025 | 8.53% | 0.82% | 0.13% | 1.30% | 4.23% |
| Q1 2025 | 8.75% | 0.67% | 0.08% | 0.81% | 3.83% |
| Q4 2024 | 8.46% | 1.05% | 0.04% | 0.42% | 4.16% |
| Q3 2024 | 8.56% | 0.91% | 0.12% | 1.06% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The Twin Valley Bank | West Alexandria , OH | 45381 | $70.8M |
| Eaton Branch | Eaton , OH | 45320 | $24.0M |
| Gratis Branch | Gratis , OH | 45330 | $16.8M |
| New Lebanon Branch | New Lebanon , OH | 45345 | $11.9M |
| Farmersville Branch | Farmersville , OH | 45325 | $3.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 126 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Twin Valley Bank
What are The Twin Valley Bank's total assets?
As of the Q2 2026 filing, The Twin Valley Bank reported total assets of $137.6 million in its FFIEC call report.
Where is The Twin Valley Bank headquartered?
It is headquartered in West Alexandria, OH, United States.
When was The Twin Valley Bank founded?
It was established in 1888, per the FDIC institution directory.
Is The Twin Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13802). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Twin Valley Bank?
The Twin Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does The Twin Valley Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Twin Valley Bank's Texas Ratio?
Its Texas Ratio is 2.65% 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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