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Overview / Commentary
1206 Springfield Pike
Wyoming, OH 45215

Spring Valley Bank is headquartered in Wyoming and is the 174th largest bank in the state of Ohio. It is also the 5,352nd largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 10 employees at 1 location. Spring Valley Bank has a C+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Spring Valley Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Spring Valley Bank had $4.47 million in non-current loans and owned real-estate with $28.98 million in equity and loan loss allowances on hand to cover it. This gives Spring Valley Bank a Texas Ratio of 15.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Spring Valley Bank increased slightly from 5.73% as of December 31, 2012 to 15.43% as of December 31, 2013, resulting in a negative change of 169.40%. This indicates that the balance sheet and financial strength for Spring Valley Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Spring Valley Bank has decreased its total deposits by $-518,000, resulting in -1.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Spring Valley Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Spring Valley Bank has $75.11 million in assets with $28.98 million in equity, resulting in a capitalization level of 38.58%, which is excellent.

Institution Statistics

FDIC Certificate #34386
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$75.11 million
Loans$45.07 million
Deposits$46.67 million
Equity Capital$28.37 million
Loan Loss Allowance$616,000
Unbacked Noncurrent Loans$3.93 million
Real Estate Owned$542,000
Historic Data - December 2012
Assets$75.36 million
Equity Capital$27.65 million
Loan Loss Allowance$765,000
Unbacked Noncurrent Loans$3.93 million
Real Estate Owned$721,000
Profit Margin - Quarterly
Net Interest Margin4.75%
Return on Assets3.1%
Return on Equity8.27%
Interest Income$3.66 million

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Spring Valley Bank Locations
Spring Valley Bank1206 Springfield PikeWyoming, OH 45215