The Twin Valley Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.01%	1-year CD	12 Month CD Special 2.45% - Synchrony Bank 12 Month CD
0.55%	Savings	Presidential Savings Account 1.80% - American Express National Bank High Yield Savings Account
2.77%	4-year CD	48 Month CD Special 2.50% - Ally Bank Raise Your Rate 4-Year CD

View all The Twin Valley Bank rates »

Overview / Commentary

www.twinvalleybank.com

937-839-4628

2 East Dayton Street
West Alexandria, OH 45381

The Twin Valley Bank is headquartered in West Alexandria and is the 149^th largest bank in the state of Ohio. It is also the 4,717^th largest bank in the nation. It was established in 1888 and as of June of 2018, it had grown to 21 employees at 3 locations. The Twin Valley Bank's money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Twin Valley Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	13802
Year Established	1888
Employees	21
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.39%
Return on Equity - YTD	3.74%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$67.4MM$64.3MM
Loans	Q2 2018vs Q2 2017	$45.4MM$43.0MM
Deposits	Q2 2018vs Q2 2017	$58.6MM$55.7MM
Equity Capital	Q2 2018vs Q2 2017	$7.1MM$7.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$304.00K$327.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$79.00K$13.00K
Real Estate Owned	Q2 2018vs Q2 2017	$157.00K$103.00K

Rates

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Savings
Money Market
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Twin Valley Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$100k^*	-	Presidential Savings Account
OTHER TIERS: 0.05% → $10 - $1k \| 0.20% → $1k - $20k \| 0.30% → $20k - $50k \| 0.40% → $50k - $100k

The Twin Valley Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%^*	$500k^*	-	Money Market Deposit Account
OTHER TIERS: 0.15% → $1k - $10k \| 0.25% → $10k - $50k \| 0.40% → $50k - $100k \| 0.55% → $100k - $250k \| 1.00% → $250k - $500k

The Twin Valley Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.77%	$1k	-	48 Month CD Special
2.52%	$1k	-	36 Month CD Special
2.26%	$1k	-	24 Month CD Special
2.01%	$1k	-	12 Month CD Special
1.76%	$1k	-	6 Month CD Special

Locations

The Twin Valley Bank Locations
Gratis Branch	14 West Franklin Street	Gratis, OH 45330
The Twin Valley Bank	2 East Dayton Street	West Alexandria, OH 45381
Eaton Branch	251 West Washington Jackson Road	Eaton, OH 45320

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