Valley Savings Bank

Valley Savings Bank is headquartered in Cuyahoga Falls and is the 145^th largest bank in the state of Ohio. It is also the 4,696^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 29 employees at 2 locations. Valley Savings Bank has a 4-star health rating.

Valley Savings Bank Routing Number: 241270848

Valley Savings Bank Checking Account Rates

Valley Savings Bank Savings Account Rates

Valley Savings Bank Money Market Rates

Data for Q1 2012

Institution Statistics Valley Savings Bank FDIC Certificate # 30693 BankRate Report View Year Established 1923 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $111.02 million Loans $99.21 million Deposits $93.04 million Equity Capital $10.64 million Loan Loss Allowance $929,000 Unbacked Noncurrent Loans $870,000 Real Estate Owned $72,000 Historic Data - March 2011 Assets $105.34 million Equity Capital $9.81 million Loan Loss Allowance $840,000 Unbacked Noncurrent Loans $196,000 Real Estate Owned $259,000 Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.88% Return on Equity 9.17% Interest Income $1.36 million

Institution Health Overall Score: 4 out of 5 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 March 31, 2012 Valley Savings Bank had $942,000 in non-current loans and owned real-estate with $11.57 million in equity and loan loss allowances on hand to cover it. This gives Valley Savings Bank a Texas Ratio of 8.14% 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 Valley Savings Bank held steady from 4.27% as of March 31, 2011 to 8.14% as of March 31, 2012, resulting in a negative change of 90.59%. This indicates that the balance sheet and financial strength for Valley Savings Bank has held steady in recent periods. Deposit Growth In the past year, Valley Savings Bank has increased its total deposits by $11.5 million, resulting in 14.11% 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 Valley Savings Bank has shown is excellent. Capitalization 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. Valley Savings Bank has $111.02 million in assets with $11.57 million in equity, resulting in a capitalization level of 10.42%, which is above average.

No reviews have been left for this bank yet. Be the first to review.