Spring Valley Bank: how it compares with its peers
Against 51 OH banks with half to twice its assets, Spring Valley Bank's strongest measure in Q2 2026 is net interest margin (5.99% vs. a 3.63% peer median). Its weakest relative measure is return on assets (2.90% vs. 0.78%).
| Measure | Spring Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.90% | 0.78% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.99% | 3.63% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.66% | 76.84% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.6M | $5.6M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 154.70% | 77.68% | Context |
What it means for lending operations
Its efficiency ratio of 47.66% is better than the 76.84% 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 National Bank of Adams County of West Union West Union, OH · $115M
- The Peoples Savings and Loan Company West Liberty, OH · $110M
- First Mutual Bank, FSB Belpre, OH · $110M
- Warsaw Federal Savings and Loan Association Cincinnati, OH · $109M
- The Bank of Magnolia Company Magnolia, OH · $108M
- The Sherwood State Bank Sherwood, OH · $108M
Questions about Spring Valley Bank
How big is Spring Valley Bank?
Spring Valley Bank, established in 1997, is headquartered in Wyoming, OH. It reported $114M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Spring Valley Bank's return on assets?
2.90% annualized in Q2 2026, against a 0.78% median for 51 OH banks with half to twice its assets, ahead of 98% of them.
What is Spring Valley Bank's efficiency ratio?
47.66% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 76.84%, and lower is better.
Is Spring Valley Bank growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits shrank 5.4%.
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.