| Metric | Spring Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.0 pts |
| Deposit growth (YoY) | -5.4% | +4.0% | -9.4 pts |
| Loan growth (YoY) | +6.7% | +5.6% | +1.1 pts |
| ROA | 2.90% | 1.24% | +1.7 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.6M | $67.0M | $103.7M | $39.0M | $1.7M | 2.90% | 5.99% | 0.39% |
| Q1 2026 | $115.8M | $68.0M | $103.2M | $40.3M | $772K | 2.64% | 5.92% | 0.10% |
| Q4 2025 | $118.0M | $72.3M | $106.5M | $39.7M | $3.7M | 3.28% | 6.33% | 0.16% |
| Q3 2025 | $115.9M | $71.3M | $104.8M | $38.8M | $2.8M | 3.35% | 6.28% | 0.17% |
| Q2 2025 | $108.9M | $70.9M | $97.1M | $37.8M | $1.7M | 3.11% | 5.91% | 0.69% |
| Q1 2025 | $114.3M | $67.4M | $95.8M | $38.4M | $961K | 3.50% | 5.92% | 0.69% |
| Q4 2024 | $105.3M | $59.5M | $91.2M | $37.6M | $3.6M | 3.56% | 6.48% | 1.08% |
| Q3 2024 | $107.9M | $61.4M | $95.4M | $36.8M | $2.8M | 3.76% | 6.45% | 2.01% |
Loan mix (Q2 2026): real estate $100.7M · commercial $2.9M · consumer $12K · securities $0
| Ratio | Spring Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.90% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 62.9% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Spring Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Spring Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Spring Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Spring Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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