Headquartered in Spring Valley, Illinois, Spring Valley City Bank is a state-chartered bank with $207.0M in total assets and $179.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1905.
Based on its Q2 2026 filing, Spring Valley City Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 39th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is earnings (54/100; 0.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (76 → 84), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 53 |
| Q2 2025 | 76 |
| Q3 2025 | 83 |
| Q4 2025 | 81 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.37% |
| Q3 2024 | 13.69% |
| Q4 2024 | 13.42% |
| Q1 2025 | 13.98% |
| Q2 2025 | 13.85% |
| Q3 2025 | 14.10% |
| Q4 2025 | 13.81% |
| Q1 2026 | 14.06% |
| Q2 2026 | 13.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.90% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.56% |
| Q1 2025 | 4.69% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $207.0M | 13.86% | 0.18% | 0.84% | 69.1% |
| Q1 2026 | 84 | $209.4M | 14.06% | 0.14% | 0.72% | 68.0% |
| Q4 2025 | 81 | $214.1M | 13.81% | 0.19% | 0.59% | 69.4% |
| Q3 2025 | 83 | $204.8M | 14.10% | 0.15% | 0.60% | 71.8% |
| Q2 2025 | 76 | $205.2M | 13.85% | 0.87% | 0.57% | 71.7% |
| Q1 2025 | 53 | $205.5M | 13.98% | 4.69% | 0.49% | 74.4% |
| Q4 2024 | 65 | $210.9M | 13.42% | 1.56% | 0.43% | 75.2% |
| Q3 2024 | 63 | $210.5M | 13.69% | 1.90% | 0.41% | 74.0% |
| Q2 2024 | 62 | $208.6M | 13.37% | 1.90% | 0.41% | 76.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FWBankBank Chicago, IL | 75 out of 100, Strong | $206.7M | 12.5% | 0.12% | vs |
| First FSB of MascoutahBank Mascoutah, IL | 52 out of 100, Below average | $207.3M | 10.5% | 2.12% | vs |
| Murphy-Wall State Bank and Trust CompanyBank Pinckneyville, IL | 60 out of 100, Moderate | $206.1M | 11.0% | 1.67% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| The Farmers State Bank and Trust CompanyBank Jacksonville, IL | 66 out of 100, Moderate | $210.1M | 13.8% | 2.22% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
Deposit insurance
Is my money safe at Spring Valley City Bank?
Yes. Spring Valley City Bank is an FDIC-insured institution (FDIC certificate #12087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.3% of deposits ($31.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.08% (benchmark: 10%).
2 locations
Branches
Spring Valley City Bank lists 2 offices in 2 cities. Most locations:
- Peru, IL (1)
- Spring Valley, IL (1)
Identity & history
Profile
- Legal name
- Spring Valley City Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12087
- RSSD ID
- 452841
- Primary regulator
- FDIC
- Holding company
- Spring Valley Bcorp Inc
- Established
- November 1, 1905
- Headquarters
- 315 N Cornelia St, Spring Valley, IL 61362
- Website
- www.svcb.com
- Employees
- 27
Quick answers
Spring Valley City Bank: common questions
Is Spring Valley City Bank FDIC insured?
Yes. Spring Valley City Bank is an FDIC-insured institution (FDIC certificate #12087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Spring Valley City Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Spring Valley City Bank ever failed?
There is no failure record for FDIC certificate #12087 in the FDIC failed bank list.
How many branches does Spring Valley City Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spring Valley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |