# SPRING VALLEY CITY BANK
SPRING VALLEY, IL · FDIC certificate 12087 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $207.0M | |
| Deposits | $179.1M | |
| Loans and leases | $125.4M | |
| Total equity | $25.9M | |
| Loans / deposits | 69.12% (p43 of band) | 73.59% |
| Liquid assets / assets | 36.59% (p58 of band) | |
| Uninsured deposits / deposits | 17.30% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.86% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -17.85% (p26 of band) | -6.57% |
| AOCI / equity | -1.59% (p16 of band) | |
| ROA (annualized) | 0.84% (p32 of band) | 1.17% |
| Net interest margin | 3.13% (p16 of band) | 3.93% |
| Efficiency ratio | 68.55% (p57 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 679.04% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 16.79% (p49 of band) | |
| Auto loans | $1.8M (1.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | noncurrent p90 |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  | noncurrent p90 |
| 2016-09 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | capital falling, charge-offs p90 |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 4 | losing money, noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2023-09 | 5 |  | assets shrinking |
| 2023-12 | 4 |  | reserve under noncurrent |
| 2024-03 | 6 | NIM <2.5%, charge-offs p90, assets shrinking | noncurrent p90 |
| 2024-06 | 2 |  | deposits shrinking, uninsured deposits leaving, charge-offs p90, assets shrinking |
| 2024-09 | 0 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2025-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-25 [St. Margaret’s CEO blames $7.3 million bank maneuver for hospital closure: court records - Shaw Local](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZEpMcVNwT1BGMWdZYWREQkx2SmZzUERwSWZpQW5qdjg1T0k0b0JkVWRFUjN4T3NSZWRlN0hlSTE2OWs5RlJuclBDbWd0Nm82MUhEZEpldlBEaVZ2WFRlT2t3OTNDM2VXY0Z0R3N6Q0MzbnFFTG03VWg1MGFya1RST0VCaEtOeXBEZERMTlMzeVh1cHA0S2tXVWo2QjktZV9qcDAtV3VGR2VhYWNTTnFQa1UyYl82YUQxX1BJaXNfMEVoa3I3ZWVLNmctaGd2NHZoVWtZ?oc=5) · Shaw Local
- 2026-06-26 [Joan McGinnis Obituary (2026) - Spring Valley, IL - Barto Funeral Home - Spring Valley - Cleveland.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQR3Vsdm9teEZSU1haTzNJbm5DRkVBLXlqUmF4OFJ3SXBiRnhhXzVGTmt1ako4djdnTjJuLU1Cd3J0b3AxcmFVN1pNTm5aV0hkd0lWRWNpM2hLMjE3Q2ZRTjRjUFBFaS0wZnc5NE1taHdrU0RsbE44SHZOTmJZTFZvNjNvaVlOZ1kyT25rTThHdkhYMzV4bnc?oc=5) · Cleveland.com
- 2021-05-21 [State auditor general’s campaign committee violated election law, court finds - The State Journal-Register](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPbi1vQkU0WE5FdXVFZDRweDRfUVd0UVdoMndzZGg4ajAxZnI3QUgxSjRCVGdkRnl5VXR3YWtvN0J2bDRHVmFMQ0h3cE9WcV9XZVBKMkluNFc0Qkp6WTdFWUhDbVJhaTBMRkFnbGVUZ1dHUmd2ZWN5ank3QndhbGhMX0N0aWJjcnBzNmJFSmN2WlBIRUVzUlh0aDRYSlVHMTMwVG9aTmV5cUk1TXB5MXZtNjZ4QXhLbUw2SFQ2S2MwbXpjUVpYMGQ0dFZzRWpTVUcwdlE?oc=5) · The State Journal-Register
- 2026-05-07 [Rita Travers Obituary (1931 - 2026) - Spring Valley, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdWdRU1hrRHdKTDg3cFV6VVkwaHBGejAyNVk2NFFFVGhtbzViV3djdGUyUGFlYWVvdExMU3BEemRWVGhBemtfQnA5UkV1Q3hZbnhDeXNOT0UzakctRnlQREFuMlZVeHg0aUIteF9BWXdyR2Y4X2otQU5fQUJ5SlE3WUVTNFFyQnhRZGYzaw?oc=5) · legacy.com
- 2017-07-21 [Nick in the AM: Spring Valley's Big House comes down - Peoria Journal Star](https://news.google.com/rss/articles/CBMirwFBVV95cUxQR3FhM0xxbVRnd3NVWFZ5NjVabjZqVlI3cXhTZnZScEozSFQxSW5lS1AzbWNXZWFpXzZ6a1J5U21jdktUSnI5aFI1UnFmdl84bXRTWi1YQWp2Y3BWMXhERFctc3BULWpTSHpSMXlDUjB2aThGQ25jVDRUYlpKTkJKcUZQM0x1UVduZkR6VnhDTWhGVnVoRDhVMzRFYjlYYVktc2t1M1JxMkcybGN4dkVn?oc=5) · Peoria Journal Star
- 2022-12-18 [IVAC announces this year’s 40 Under 40 recipients - 1430wcmy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUkM1Z3lheHMySFNqR3E0M1J5ZTRlWjZVMXUyRjYycFdBY1BDWndWSTBtS3pzUlV4WjhsZEljcTE2RlJ0aGdpX3FNVEhWSG9TU1RETFRJWW1HcGtfQTdkbk5iRTBMRnViWnViLWVDWVNRdWZuVVEyWThqQ0hBOG1HdjhZV3FMN1Rn?oc=5) · 1430wcmy.com
- 2025-12-15 [Shirley Fusinetti Obituary (1951 - 2025) - Spring Valley, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPOXBrb3Q2VzNPLUNaUGpXaE5ydG9PQXFrNUlkbklpRjRsbnNKdFdFT1ZQaHBXWjVOOXhJSFhrT2V2SDhVT0lwcnBvUTdPLU5UZ1RqRUdIcmVPUk1kYWIxay1qNFBpdXRqUThJczhFc2dOdG80a1Q5ZHQ1ZDVkQnR1cnd3aXo3UW9aVF9MVnVuREl1ZVU?oc=5) · legacy.com
- 2013-01-21 [Philip McGinnis - Shaw Local](https://news.google.com/rss/articles/CBMibkFVX3lxTE5tSTNwaS13OEpucExTcmg3dUxIZ1ppcm1pNGJjZ2F6aTB0RV8yR3RqOFdXWUNrNG1UMjI2ck8yYWlkY2RhQjZpT0g4cHpJZ21kZGNna1dWd0pCMWVsQ0hILVpEQm5iOWN3MHJCQVJR?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12087 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "12087", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide