🏦Bank Scorer

SPRING VALLEY BANK

WYOMING, OH · Supervised by FDIC

Est. 1997FDIC #34,386RSSD: FDIC-34386
Part ofSV BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.64%

Institution Profile

FDIC BankFind

Address

1206 Springfield Pike, WYOMING, OH

County

Hamilton County

Established

September 2, 1997

Total Assets

$116M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$116M

Total Deposits

$68M

Net Loans

$103M

Net Income

$772K

ROA

2.64%

ROE

7.72%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.51%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$71M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419566.15%20.51%
202320872.12%15.87%
202227676.45%15.58%
202131873.58%16.04%
202040872.3%17.40%
201933476.35%12.57%
201829376.79%13.99%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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