# SPRING VALLEY BANK
WYOMING, OH · FDIC certificate 34386 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $113.6M | |
| Deposits | $67.0M | |
| Loans and leases | $104.2M | |
| Total equity | $39.0M | |
| Loans / deposits | 154.70% (p100 of band) | 73.59% |
| Liquid assets / assets | 7.36% (p1 of band) | |
| Uninsured deposits / deposits | 16.24% (p36 of band) | 19.81% |
| Brokered deposits | 13.82% | |
| Wholesale funding | 20.07% (p95 of band) | |
| FHLB advances / assets | 6.25% | |
| Tier 1 leverage | 34.07% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.90% (p95 of band) | 1.17% |
| Net interest margin | 5.99% (p98 of band) | 3.93% |
| Efficiency ratio | 47.66% (p10 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 110.51% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 3.10% (p25 of band) | |
| Auto loans | $12,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90, charge-offs p90 |  |
| 2011-09 | 3 |  | charge-offs p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 5 | charge-offs p90 |  |
| 2012-12 | 4 |  | charge-offs p90 |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 2 |  | loans exceed deposits, capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 7 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 6 |  | charge-offs p90 |
| 2014-12 | 6 |  |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | deposits shrinking | capital falling |
| 2017-06 | 3 | noncurrent p90 | deposits shrinking |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 3 | noncurrent p90 |  |
| 2018-03 | 2 |  | noncurrent p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | liquid assets <10% |  |
| 2019-06 | 3 |  | reserve under noncurrent |
| 2019-09 | 2 | uninsured deposits leaving | capital falling, liquid assets <10% |
| 2019-12 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2020-03 | 3 |  | uninsured deposits leaving |
| 2020-06 | 3 | capital falling | liquid assets <10% |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | uninsured deposits leaving |  |
| 2022-09 | 5 | liquid assets <10% | reserve under noncurrent |
| 2022-12 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2023-03 | 4 | capital falling, charge-offs p90 | deposits shrinking |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 4 | reserve under noncurrent |  |
| 2023-12 | 1 |  | liquid assets <10%, capital falling, reserve under noncurrent |
| 2024-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2024-06 | 2 | capital falling | charge-offs p90, reserve under noncurrent |
| 2024-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2025-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2025-06 | 3 | liquid assets <10% |  |
| 2025-09 | 5 | brokered >10%, wholesale funding >15%, capital falling | reserve under noncurrent |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | capital falling |
| 2026-06 | 6 | deposits shrinking, uninsured deposits leaving |  |

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

- 2024-01-09 [Small Cincinnati bank Spring Valley has big growth plans thanks to strong niche, CEO says - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSUhkU0puX3BPY0FWcGZXb0Q4OE9landPUFZ5UlRESVpKWVRfWmVoSkxMMGpEZzNrSWxiTkJWb1gxSlhMaElsSGVmQ3VDbWotV2JjZHN0Z1lvNC04QXJ0dzlhUTFNZ2ZXQmtCYUNIRnhQUDB4SVc2MEdod3dZSFN3dmZHdWlUbFo4VVc0LTJQYzJWVWtCVE9BV2EzMVMzOHFYR1ljMGl6UWI4YnAzZ2c?oc=5) · The Business Journals
- 2015-11-20 [Man robs Spring Valley Wells Fargo bank - Lohud](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYVFnTXpSNDBmUWFneHYwcjVabzJkbDUxYTZ1YVItNU05VF9ISnI0VjZEWTJBUXdseDBSa1EtRklIckpaZnQycjdBd0FJTlZjZjZZbFpUUExuYVk3dkNfM0FQckZ1M2xMUXVhbzFieXllbjllOHdkc2RNSGJ2TUhDSHl4VUs1RG9Wbi1SbUN4RTFTN1RoTlV4RzZBTFJRT0JQa2hjRDBHVkY?oc=5) · Lohud
- 2025-03-03 [Ken Schnaus retiring from Springs Valley Bank & Trust - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdjdiRXlfd0hNYjNsVi11V0w0WGZxZUN4bUpkS2FFX191eE5vZzVlNTJ3VWdKVlJWUU1NSGgzWGZ1QVA3QlAwMWV6TXJXeGNyTk54eDhILUs3bkxSMDVNUnRRR0tvVld3ZHcwVjgwQ1FuenZwNHpPcS00NWt6OXZGUlI4Y2pZRXBPazV2VVdBVQ?oc=5) · Dubois County Free Press, Inc.
- 2020-08-28 [Alleged roommate slayer held; sorry robber sentenced - The East County Californian](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZDdFODlYQ0dMUXdXVUxscjRNU3pLLVBOQldmLUpMeUkwYjhPVW54UDFlSHdGLTI3WVNGOWU1bEM0SjhfT1RxWVVXS1ZRODYtc1NXZDRUNGJoa1BVUk8ya2V1Mml5Sy1pZDFTTEpvc3BPU3RFRHMzNS0wa1VtcEpfSUNDaGM?oc=5) · The East County Californian
- 2016-08-04 [Kelly joins Springs Valley Bank & Trust Co. board of directors - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUDV4TGc1THNJV0c0NjYxN1QxM0lVaVBBX2pabzF4RVNzdkFVSDVSZjAyeHV4VHNqMHhCZENmQURCMlBhQ3ZHNk1Rcy1PcG5DNUNDbVJ1RkxocDRoSVlaR0kxQkc2U2NqMW5IaHZFN2Y0Q2dBWUZrNkZUcEcxRkNFMWR2SXJQRHNBNHNnVm1sVkRja3BIQmc?oc=5) · Dubois County Free Press, Inc.
- 2024-03-20 [Suburban Cincinnati city councilman opens new wood-fired pizza, wing joint - local12.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNOTloU0MyOVprNTVHcU5McVpnNUFxSkkxOWdiSW1mRHZTSUUtOXdNMFRsTzJ0RWx0T0p2ejFlOE1RdzI0TnNtNjNNeW1Ybjc0Z2FLYV8xajVfTmJmY0VlQnJPb1N5U1FmSC1IT1FUZ0pRSEM0VDlLZWNMUm9oVjNEcTU0azNRSjRSaldTMERSUkdwR2F0N1BsM2JpMHJha1BBZHJBaV9ja29rSWVyd3ZnajllVTJxZWJYWTdhOG5PYUpQUWJhOXdDWVc3dVN2a2xJR3FOTVh1bk11d3gtc1ZMZFJZWQ?oc=5) · local12.com
- 2016-02-27 [Owner of contaminated Evansville site liable for repaying $2 million in loans - courierpress.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPNWxIVHM2TTVBSWRwR1ZGaDlCY2p2Zm1IcDJkdGNtSXZTZ0VXTUhwRTJwTmV0WWRlRmwyVnNfTXZMTzBwbmdtVzdWdWNTU0VkMXF6UHV3REVMYzJCQk9HZldTM1BLbGtPMTdOUWppRGZNRGRoSlprNmk4OFlTNHVYQ1F2RDNqTjBvSFRzT05lRXBxdXJFNEc3ZXY4OFdRY0phLVFnVjNCRzR5YWZNWk9LMmJ4dm93WVVZU2xiVzN2WVZPeDJORXdTWFFWT19LZzYzcGtsWi1sejVSdlE?oc=5) · courierpress.com
- 2010-06-29 [Whidbey PBY returns to the Seaplane Base - Whidbey News-Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxQald6YUxWZ0FWU2czbFpfSGw3SDVHUENiOXNDdW9QSm5zUXFFc3NqYjM4MzMyVEZ3alFzRTRVaE9NN0ZwTGRtWHhkdWY1LS1FOVFYZ1pwTDE5R2RwZkR3eC1XUHdvazRTVU5qNWNBNHpjTjltSEJXbWtaTHRRTHJfdjZSd0dvZExNUE8zWUxn?oc=5) · Whidbey News-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34386 (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/18.json (key "34386", 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