BlastPoint's Banking Scorecard
Spring Valley City Bank
Spring Valley, IL
2 branches across IL
Spring Valley City Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 32.9% in tier
- - Flatlined Growth: Bottom 37.1% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.93% below tier average
- - Efficiency Ratio 6.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$209.4M
+1.9% YoY
-2.2% QoQ
|
-$176.6M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$123.3M
-5.8% YoY
-3.0% QoQ
|
-$132.4M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$181.3M
+3.0% YoY
-1.0% QoQ
|
-$146.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
0.72%
+47.3% YoY
+20.3% QoQ
|
-0.55% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.00%
+10.3% YoY
+1.4% QoQ
|
-0.93% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio ? |
72.28%
-7.9% YoY
-0.0% QoQ
|
+6.99% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.15%
-96.9% YoY
-26.1% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
68.03%
-8.6% YoY
-2.0% QoQ
|
-8.61% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
18.93%
-2.1% YoY
-7.9% QoQ
|
-3.09% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.09%
-97.2% YoY
-26.7% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
24.17%
+6.1% YoY
+4.0% QoQ
|
+8.34% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 7.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
-2.9% YoY
-75.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.