BlastPoint's Banking Scorecard

Spring Valley Bank

$100M-$1B Specialty: Commercial OH FDIC cert 34386

Wyoming, OH

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 96 in OH.
Deposits -5.4% year over year ($67.0M on the books).
Delinquency rate 0.43%.
Return on assets 2.90%.
Efficiency ratio 47.66% vs a 64.48% peer average.
Loan-to-deposit ratio 154.70% 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 96 in OH

View $100M-$1B leaderboard (OH) →

Spring Valley Bank has 4 strengths 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

+ Return on Assets 1.58% above tier average
+ Net Interest Margin 2.00% above tier average
+ Efficiency Ratio 16.82% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.6% in tier
- Deposit Outflow: Bottom 14.8% in tier
- Capital Constraint: Bottom 98.1% in tier
- Non-Interest-Bearing Deposit Share 14.43% below tier average
- Non-Interest Income / Assets 0.52% below tier average

Get updates when Spring Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$113.6M +4.3% YoY -1.9% QoQ	-$273.0M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Bottom 3.6% in tier
Total Loans ?	$103.7M +6.7% YoY +0.4% QoQ	-$154.7M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$67.0M -5.4% YoY -1.5% QoQ	-$259.7M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Bottom 0.5% in tier
Return on Assets ?	2.90% -6.8% YoY +9.9% QoQ	+1.58%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Top 2.4% in tier
Net Interest Margin ?	5.99% +1.4% YoY +1.2% QoQ	+2.00%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Top 1.5% in tier
Efficiency Ratio ?	47.66% +7.9% YoY -7.8% QoQ	-16.82%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Top 12.4% in tier
Delinquency Rate ?	0.43% -44.2% YoY +280.4% QoQ	-0.49%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	154.70% +12.8% YoY +2.0% QoQ	+76.75%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ?	7.60% -8.6% YoY +10.5% QoQ	-14.43%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 6.3% in tier
Nonperforming Asset Ratio ?	0.39% -42.9% YoY +289.4% QoQ	-0.28%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	34.07% -1.8% YoY -2.0% QoQ	+18.16%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Top 2.8% in tier
Non-Interest Income / Assets ?	0.05% -83.9% YoY +164.1% QoQ	-0.52%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	Bottom 5.7% in tier

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 (OH)	National Avg	Tier Percentile
Noninterest-Bearing	7.6% -0.7pp YoY +0.7pp QoQ	-14.5pp	22.1%	18.8%	22.2%	6%
Brokered Deposits	23.4% +12.3pp YoY +0.8pp QoQ	+15.6pp	7.9%	7.7%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	2.8% +1.9pp YoY +2.0pp QoQ	-8.8pp	11.6%	10.2%	12.5%	9%
CRE	61.9% -0.4pp YoY -1.8pp QoQ	+22.4pp	39.5%	34.2%	41.4%	87%
1-4 Family	35.2% -2.1pp YoY -0.2pp QoQ	+2.6pp	32.6%	50.0%	31.3%	62%
Consumer	0.0% 0.0pp YoY -0.1pp QoQ	-4.1pp	4.1%	4.7%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	34.1% -0.6pp YoY -0.7pp QoQ	+21.9pp	12.2%	12.9%	12.6%	99%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	9 0 YoY 0 QoQ	-50	58	2,433	482	0%
Assets per Employee ($)	$12.6M +4.3% YoY -1.9% QoQ	+$5.1M	$7.5M	$7.6M	$8.8M	94%
Branch Count	1 0 YoY 0 QoQ	-4	4	81	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.4% -0.3pp YoY +0.3pp QoQ	-0.5pp	0.9%	0.6%	1.0%	49%
Allowance Coverage	1.11x +73.0% YoY -74.1% QoQ	-23.05x	24.15x	18.95x	20.23x	30%
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 (OH)	National Avg	Tier Percentile
ROE	8.5% -0.5pp YoY +0.8pp QoQ	-3.7pp	12.2%	9.7%	11.6%	28%
Cost of Funds (YTD)	2.3% -0.5pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.7%	1.7%	84%
Net Income ($, YTD)	$1.7M -1.4% YoY — QoQ	-$874K	$2.6M	$259.3M	$40.4M	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Liquidity Overhang

risk

#13 of 742 • Bottom 1.6% 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: 34.07%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 154.70%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#80 of 535 • Bottom 14.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Capital Constraint

risk

#106 of 107 • Bottom 98.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 154.70%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 34.07%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.99%

Peer Median: 3.99%

#41 of 2643 Top 1.5% in $100M-$1B

Return on Assets

profitability

Value: 2.90%

Peer Median: 1.32%

#65 of 2643 Top 2.4% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 34.07%

Peer Median: 15.91%

#74 of 2643 Top 2.8% in $100M-$1B

329

Efficiency Ratio

profitability

Value: 47.66%

Peer Median: 64.48%

#329 of 2643 Top 12.4% in $100M-$1B

Top Weaknesses (6 metrics)

2640

Loan-to-Deposit Ratio

liquidity

Value: 154.70%

Peer Median: 77.95%

#2640 of 2643 Bottom 0.2% in $100M-$1B

2631

Total Deposits

size

Value: $67.02M

Peer Median: $326.73M

#2631 of 2643 Bottom 0.5% in $100M-$1B

2549

Total Assets

size

Value: $113.58M

Peer Median: $386.57M

#2549 of 2643 Bottom 3.6% in $100M-$1B

2493

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2477

Non-Interest-Bearing Deposit Share

funding

Value: 7.60%

Peer Median: 22.03%

#2477 of 2643 Bottom 6.3% in $100M-$1B

2113

Total Loans

size

Value: $103.67M

Peer Median: $258.35M

#2113 of 2643 Bottom 20.1% in $100M-$1B