BlastPoint

BlastPoint's Banking Scorecard

Spring Valley City Bank

$100M-$1B Specialty: Commercial IL FDIC cert 12087

Spring Valley, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +2.0% year over year ($179.1M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.84%.
  • Efficiency ratio 68.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Spring Valley City Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 33.5% in tier
  • - Liquidity Overhang: Bottom 34.2% in tier
  • - ROA 0.48% below tier average
  • - Net Interest Margin 0.85% below tier average
  • - Efficiency Ratio 4.07% above tier average
Get updates when Spring Valley City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $207.0M
+0.9% YoY -1.2% QoQ
-$179.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $123.8M
-1.7% YoY +0.4% QoQ
-$134.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $179.1M
+2.0% YoY -1.2% QoQ
-$147.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.84%
+47.6% YoY +17.3% QoQ
-0.48% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.13%
+9.6% YoY +4.4% QoQ
-0.85% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 13.8% in tier
Efficiency Ratio ? 68.55%
-7.7% YoY -5.2% QoQ
+4.07% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.18%
-79.0% YoY +26.7% QoQ
-0.73% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 69.12%
-3.6% YoY +1.6% QoQ
-8.83% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 18.78%
+1.6% YoY -0.8% QoQ
-3.25% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.11%
-79.5% YoY +28.8% QoQ
-0.56% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 23.82%
+0.9% YoY -1.4% QoQ
+7.92% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 8.1% in tier
Non-Interest Income / Assets ? 0.09%
+2.4% YoY +111.3% QoQ
-0.47% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 18.8%
+0.3pp YoY
-0.2pp QoQ
 -3.4pp 22.1% 20.1% 22.2% 39%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 18.3%
-1.6pp YoY
+0.2pp QoQ
 +6.7pp 11.6% 14.7% 12.5% 85%
CRE 28.0%
+1.0pp YoY
+0.3pp QoQ
 -11.6pp 39.5% 37.9% 41.4% 31%
1-4 Family 28.1%
+0.6pp YoY
+0.4pp QoQ
 -4.6pp 32.6% 28.3% 31.3% 47%
Consumer 4.1%
+0.5pp YoY
+0.6pp QoQ
 0.0pp 4.1% 5.4% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 23.8%
+0.2pp YoY
-0.4pp QoQ
 +5.0pp 18.8% 19.9% 19.7% 87%
Leverage Ratio 13.9%
0.0pp YoY
-0.2pp QoQ
 +1.7pp 12.2% 12.2% 12.6% 81%
Total Capital Ratio 25.1%
+0.4pp YoY
-0.3pp QoQ
 +5.1pp 19.9% 20.9% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 27
+1 (+3.8%) YoY
0 QoQ
 -32 58 228 482 22%
Assets per Employee ($) $7.7M
-2.9% YoY
-1.2% QoQ
 +$147K $7.5M $8.3M $8.8M 63%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.6pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 43%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 21%
Allowance Coverage 6.79x
+461.2% YoY
-21.3% QoQ
 -17.36x 24.15x 5.62x 20.23x 76%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 6.8%
+1.9pp YoY
+1.0pp QoQ
 -5.4pp 12.2% 10.5% 11.6% 20%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 23%
Net Income ($, YTD) $882,000
+49.7% YoY
— QoQ
 -$1.7M $2.6M $11.7M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#178 of 529 • Bottom 33.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.84%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#255 of 742 • Bottom 34.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.82%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 69.12%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

214
Tier 1 Capital Ratio
capital
Value: 23.82%
Peer Median: 15.91%
#214 of 2643 Top 8.1% in $100M-$1B

Top Weaknesses (2 metrics)

2278
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2278 of 2643 Bottom 13.8% in $100M-$1B
2225
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2225 of 2643 Bottom 15.9% in $100M-$1B
Powered by BlastPoint © 2026