The Twin Valley Bank (FDIC certificate #13802) is based in West Alexandria, Ohio. Its Q2 2026 call report shows $137.6M in total assets and $126.5M in deposits and 5 offices.
Based on its Q2 2026 filing, The Twin Valley Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 67th. Its strongest component is loan quality (97/100; 0.08%), and its lowest is capital cushion (42/100; 9.23%).
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 5 points (67 → 72), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 65 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.55% |
| Q3 2024 | 8.56% |
| Q4 2024 | 8.46% |
| Q1 2025 | 8.75% |
| Q2 2025 | 8.53% |
| Q3 2025 | 8.39% |
| Q4 2025 | 8.54% |
| Q1 2026 | 8.89% |
| Q2 2026 | 9.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.55% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $137.6M | 9.23% | 0.08% | 1.08% | 72.6% |
| Q1 2026 | 65 | $139.3M | 8.89% | 0.29% | 0.55% | 72.6% |
| Q4 2025 | 69 | $145.6M | 8.54% | 0.09% | 0.84% | 69.3% |
| Q3 2025 | 68 | $142.4M | 8.39% | 0.05% | 0.78% | 72.6% |
| Q2 2025 | 67 | $138.6M | 8.53% | 0.13% | 0.75% | 71.1% |
| Q1 2025 | 68 | $134.3M | 8.75% | 0.08% | 0.66% | 70.2% |
| Q4 2024 | 70 | $132.9M | 8.46% | 0.04% | 0.87% | 68.1% |
| Q3 2024 | 69 | $134.2M | 8.56% | 0.12% | 0.81% | 66.3% |
| Q2 2024 | 66 | $128.7M | 8.55% | 0.27% | 0.76% | 68.3% |
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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers and Merchants BankBank Caldwell, OH | 66 out of 100, Moderate | $136.4M | 14.9% | 3.86% | vs |
| The Settlers BankBank Marietta, OH | 94 out of 100, Very strong | $142.4M | 16.2% | 0.18% | vs |
| Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH | 82 out of 100, Strong | $131.6M | 17.0% | 0.04% | vs |
| Monroe Federal Savings and Loan AssociationBank Tipp City, OH | 59 out of 100, Moderate | $144.5M | 9.9% | 0.22% | vs |
| The Baltic State BankBank Baltic, OH | 68 out of 100, Moderate | $129.6M | 7.8% | 0.00% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |
Deposit insurance
Is my money safe at The Twin Valley Bank?
Yes. The Twin Valley Bank is an FDIC-insured institution (FDIC certificate #13802). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.2% of deposits ($15.4M) 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 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
The Twin Valley Bank lists 5 offices in 5 cities. Most locations:
- Eaton, OH (1)
- Farmersville, OH (1)
- Gratis, OH (1)
- New Lebanon, OH (1)
- West Alexandria, OH (1)
Identity & history
Profile
- Legal name
- The Twin Valley Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13802
- RSSD ID
- 381026
- Primary regulator
- FED
- Established
- January 1, 1888
- Headquarters
- 2 E Dayton St, West Alexandria, OH 45381
- Website
- www.twinvalleybank.bank
- Employees
- 27
Quick answers
The Twin Valley Bank: common questions
Is The Twin Valley Bank FDIC insured?
Yes. The Twin Valley Bank is an FDIC-insured institution (FDIC certificate #13802). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Twin Valley Bank's TellerScore?
72 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 The Twin Valley Bank ever failed?
There is no failure record for FDIC certificate #13802 in the FDIC failed bank list.
How many branches does The Twin Valley Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Alexandria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Health Care Professionals Federal Credit UnionCredit union Richmond, IN | 96 out of 100, Very strong | $41.6M | 18.6% | 0.00% | vs |
| Wayne County Federal Credit UnionCredit union Richmond, IN | 89 out of 100, Very strong | $13.5M | 14.3% | 0.00% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |
| Day Air Credit UnionCredit union Kettering, OH | 82 out of 100, Strong | $908.8M | 14.6% | 0.96% | vs |