The Twin 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: 71.62 percentage points higher than in Q1 2026, at 213.02%. The Twin Valley Bank ranks 23rd of 156 Ohio banks on return on assets, in the upper half at 1.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Twin Valley Bank sits 0.36 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.23% |
| Equity capital to assets | 7.58% |
| Tangible equity to tangible assets | 7.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 5.48% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 213.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 21.95% |
| Net interest margin | 4.25% |
| Efficiency ratio | 62.75% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.22% |
| Core deposits to total deposits | 88.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.93% |
| Securities to assets | 20.99% |
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 | 12.83% | 12.83% | 13.67% | 8.60% | 0.91% |
| Q4 2023 | 13.05% | 13.05% | 13.91% | 8.46% | 0.75% |
| Q1 2024 | 12.88% | 12.88% | 13.73% | 8.63% | 0.66% |
| Q2 2024 | 12.65% | 12.65% | 13.48% | 8.55% | 0.87% |
| Q3 2024 | 12.72% | 12.72% | 13.56% | 8.56% | 0.91% |
| Q4 2024 | 12.72% | 12.72% | 13.55% | 8.46% | 1.05% |
| Q1 2025 | 12.58% | 12.58% | 13.41% | 8.75% | 0.67% |
| Q2 2025 | 12.27% | 12.27% | 13.08% | 8.53% | 0.82% |
| Q3 2025 | 12.29% | 12.29% | 13.10% | 8.39% | 0.83% |
| Q4 2025 | 12.54% | 12.54% | 13.39% | 8.54% | 1.02% |
| Q1 2026 | 12.98% | 12.98% | 13.88% | 8.89% | 0.56% |
| Q2 2026 | — | — | — | 9.23% | 1.61% |
The Twin Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Twin 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 The Twin Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13802) · FFIEC NIC profile (RSSD 381026)