BlastPoint's Banking Scorecard
Spring Valley Bank
Micro
Specialty: Commercial
OH
FDIC cert 34386
Designations: ✓ Community bank
Wyoming, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Spring Valley Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.20% above tier
- + Net Interest Margin 2.48% above tier
- + Efficiency Ratio 24.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 72.82% above tier
- - Non-Interest-Bearing Deposit Share 14.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.0M
+12.1% YoY
+1.8% QoQ
|
-$99.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$106.5M
+16.8% YoY
+1.7% QoQ
|
-$32.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$72.3M
+21.4% YoY
+1.4% QoQ
|
-$111.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
3.28%
-7.9% YoY
-1.9% QoQ
|
+2.20% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.33%
-2.2% YoY
+0.7% QoQ
|
+2.48% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
43.28%
+14.0% YoY
+2.6% QoQ
|
-24.45% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.18%
-85.8% YoY
-8.5% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
147.35%
-3.9% YoY
+0.2% QoQ
|
+72.82% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.65%
-25.2% YoY
-29.0% QoQ
|
-14.74% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-85.2% YoY
-8.6% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+266.7% YoY
+2.6% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.28%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.33%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.28%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
147.35%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.65%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Return on Assets
Current: 3.28% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.33% · Tier avg: 3.85%
96
96th pctile
Efficiency Ratio
Current: 43.28% · Tier avg: 67.73%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Loans
Current: $106.5M · Tier avg: $139.2M
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
28
28th pctile
Total Assets
Current: $118.0M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $72.3M · Tier avg: $183.7M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 22.39%
0
0th pctile
Loan-to-Deposit Ratio
Current: 147.35% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 147.35% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $72.3M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.0M · Tier avg: $217.5M
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
45
45th pctile
Total Loans
Current: $106.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
96
96th pctile
Efficiency Ratio
Current: 43.28% · Tier avg: 67.73%
99
99th pctile
Net Interest Margin
Current: 6.33% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.28% · Tier avg: 1.08%