BlastPoint's Banking Scorecard
Spring Valley Bank
Wyoming, OH
Spring Valley Bank has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.37% above tier average
- + Net Interest Margin 1.99% above tier average
- + Efficiency Ratio 13.60% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.3% in tier
- - Cost Spiral: Bottom 33.3% in tier
- - NIB Deposit Bleed: Bottom 48.0% in tier
- - Margin Compression: Bottom 65.6% in tier
- - Non-Interest Income / Assets 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.8M
+1.3% YoY
-1.9% QoQ
|
-$270.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.6% in tier |
| Total Loans ? |
$103.2M
+7.8% YoY
-3.1% QoQ
|
-$152.5M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$68.0M
+0.9% YoY
-5.9% QoQ
|
-$259.9M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.5% in tier |
| Return on Assets ? |
2.64%
-24.5% YoY
-19.5% QoQ
|
+1.37% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Top 3.6% in tier |
| Net Interest Margin ? |
5.92%
+0.1% YoY
-6.5% QoQ
|
+1.99% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 1.7% in tier |
| Efficiency Ratio ? |
51.68%
+25.2% YoY
+19.4% QoQ
|
-13.60% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.11%
-86.2% YoY
-35.8% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
151.74%
+6.8% YoY
+3.0% QoQ
|
+75.10% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.88%
-22.7% YoY
-10.1% QoQ
|
-15.14% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-85.3% YoY
-36.6% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
34.76%
-2.9% YoY
+3.1% QoQ
|
+18.93% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 2.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
-93.1% YoY
-94.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.1% in tier |
Get Full Access to Spring Valley Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.