Is Twin Valley Bank Safe?
Twin Valley Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (95/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.65% | 82/100 |
| Nonperforming Loan Ratio | 0.27% | 95/100 |
| Liquidity Ratio | 28.51% | 94/100 |
| Return on Assets | 0.89% | 56/100 |
| Total Assets | $0.1B | |
How does Twin Valley Bank compare?
With a Bank Health Score of 86/100, Twin Valley Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, Twin Valley Bank ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 12.65% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.27% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Twin Valley Bank's Bank Health Score fell by 4.0 points to 86/100. Tier 1 capital weakened by 0.18 percentage points to 12.65%. Quarter-over-quarter, the score fell by 3.0 points.
Twin Valley Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (95/100), while profitability is its weakest area (56/100).