BlastPoint's Banking Scorecard
Spring Valley City Bank
Micro
Specialty: Commercial
IL
FDIC cert 12087
Designations: ✓ Community bank
Spring Valley, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Spring Valley City Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$214.1M
+1.5% YoY
+4.6% QoQ
|
-$3.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$127.2M
-3.6% YoY
+1.8% QoQ
|
-$12.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$183.2M
+4.4% YoY
+5.3% QoQ
|
-$443K |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.59%
+38.0% YoY
-1.0% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.96%
+14.0% YoY
+1.1% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
72.29%
-9.6% YoY
-1.5% QoQ
|
+4.56% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.20%
-87.6% YoY
+30.4% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
69.41%
-7.6% YoY
-3.3% QoQ
|
-5.12% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
20.57%
+9.6% YoY
+21.7% QoQ
|
-1.83% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.12%
-88.2% YoY
+27.0% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
23.24%
+3.9% YoY
-4.0% QoQ
|
+14.39% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.17%
-7.7% YoY
+29.7% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 23.24% · Tier avg: 8.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.41% · Tier avg: 74.53%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
55
55th pctile
Total Deposits
Current: $183.2M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $214.1M · Tier avg: $217.5M
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.57% · Tier avg: 22.39%
34
34th pctile
Efficiency Ratio
Current: 72.29% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.29% · Tier avg: 67.73%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.57% · Tier avg: 22.39%
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
55
55th pctile
Total Assets
Current: $214.1M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $183.2M · Tier avg: $183.7M
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.41% · Tier avg: 74.53%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.24% · Tier avg: 8.85%