The Twin Valley Bank: how it compares with its peers
Against 60 OH banks with half to twice its assets, The Twin Valley Bank's strongest measure in Q2 2026 is return on assets (1.08% vs. a 0.77% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $5.8M).
| Measure | The Twin Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 0.77% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.60% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.11% | 76.69% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $5.8M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.57% | 80.17% | Context |
What it means for lending operations
Its efficiency ratio of 71.11% is better than the 76.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Farmers and Merchants Bank Caldwell, OH · $136M
- The Settlers Bank Marietta, OH · $142M
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- Monroe Federal Savings and Loan Association Tipp City, OH · $145M
- The Baltic State Bank Baltic, OH · $130M
- Miami Savings Bank Miamitown, OH · $148M
Questions about The Twin Valley Bank
How big is The Twin Valley Bank?
The Twin Valley Bank, established in 1888, is headquartered in West Alexandria, OH. It reported $138M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Twin Valley Bank's return on assets?
1.08% annualized in Q2 2026, against a 0.77% median for 60 OH banks with half to twice its assets, ahead of 75% of them.
What is The Twin Valley Bank's efficiency ratio?
71.11% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 76.69%, and lower is better.
Is The Twin Valley Bank growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits shrank 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.