Bank · FDIC insured
Spring Valley Bank
A $207M bank headquartered in Spring Valley, IL, with 2 branches in Illinois. Best rates: CDs 3.81% and savings 0.30% APY.
Spring Valley Bank Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#12 of 17 in Ottawa, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Spring Valley Bank
- Headquarters
- 315 N Cornelia St, Spring Valley, IL 61362
- FDIC certificate
- 12087 ↗
Branches
2 branches in Illinois
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Illinois
2 branches
- Spring Valley City BankMain office315 N Cornelia St, Spring Valley, IL 61362Directions
- Spring Valley City Bank Peru2107 Marquette Rd, Peru, IL 61354Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.84% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio13.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.84%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Spring Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.