Question 1

What is Spring Valley Bank?

Accepted Answer

Spring Valley Bank is a community bank specializing in real estate investment lending and personal banking services. Operating from Wyoming, Ohio, the bank brands itself as "The Investor's Bank" and focuses on providing personalized relationship banking to the Greater Cincinnati Area.

With approximately $116 million in assets and a single office location, Spring Valley Bank has established itself as a niche lender in the residential and commercial real estate sector. The bank emphasizes maintaining personal relationships with customers and keeping deposits local to support neighborhood small businesses and community initiatives.

Question 2

When was Spring Valley Bank founded?

Accepted Answer

Spring Valley Bank began operations on September 2, 1997. The bank was founded by Gerald Robinson, a local attorney, entrepreneur, and real estate developer who was a Cincinnati native.

Robinson identified a need in the Greater Cincinnati region for a community bank that offered personal banking services combined with specialized real estate investment lending. His vision was to create an institution that would provide straightforward, relationship-based banking distinct from larger impersonal financial institutions.

The bank has operated continuously from its original location for over 28 years, financing thousands of real estate projects and home mortgages throughout the Cincinnati metropolitan area.

Question 3

Where is Spring Valley Bank headquartered?

Accepted Answer

Spring Valley Bank is headquartered in Wyoming, Ohio, located in Hamilton County. The bank's single office is situated at 1206 Springfield Pike in the Cincinnati area, ZIP code 45215.

The bank's name derives from its location on Springfield Pike in an area of southwestern Ohio historically known as the Millcreek Valley. The institution proudly describes itself as "the bank known for having roots, not branches," reflecting its commitment to serving the community from its original single location.

Question 4

Where does Spring Valley Bank operate?

Accepted Answer

Spring Valley Bank operates exclusively from its single location in Wyoming, Ohio, serving the Greater Cincinnati Area which spans portions of Ohio, Kentucky, and Indiana. The bank's service area covers the Cincinnati-OH-KY-IN Core Based Statistical Area.

Despite having only one physical office, the bank has developed extensive lending relationships throughout the residential and commercial real estate markets in the Cincinnati region. The institution focuses on local neighborhoods and small businesses within the Greater Cincinnati metropolitan area, emphasizing that customer deposits stay local and are reinvested in the surrounding communities.

Question 5

What services does Spring Valley Bank offer?

Accepted Answer

Spring Valley Bank provides a range of banking services with a strong emphasis on real estate investment lending:

Real Estate Lending: The bank's primary specialty includes financing for residential real estate investors, commercial real estate projects, construction and development loans, and traditional home mortgages. Approximately 34% of the loan portfolio consists of 1-4 family residential loans, 31% commercial real estate, and 23% small business loans.

Personal Banking: Full-service retail banking including checking accounts, savings accounts, certificates of deposit, and consumer lending services.

Commercial Banking: Small business lending and business banking services tailored to local entrepreneurs and enterprises in the Cincinnati area.

Digital Banking: The bank offers online banking services through its website at www.springvalleybank.com, though specific details about mobile apps and digital platforms are limited compared to larger institutions.

Question 6

What makes Spring Valley Bank unique?

Accepted Answer

Spring Valley Bank distinguishes itself through several key characteristics:

Real Estate Investment Specialization: Unlike traditional community banks, Spring Valley Bank has carved out a niche as a dedicated real estate investment lender. The bank's expertise in the Greater Cincinnati real estate market and its tailored approach to real estate financing set it apart from larger institutions.

Relationship Banking Model: The bank emphasizes personal relationships over impersonal criteria, offering individual solutions based on relationship-driven decision-making rather than generic underwriting standards.

Single Location Strategy: Operating from one location for over 28 years, the bank has maintained its "roots, not branches" philosophy, providing continuity and deep local market knowledge.

Strong Financial Performance: With a return on assets (ROA) of 3.35% and return on equity (ROE) of 9.75%, Spring Valley Bank demonstrates above-average profitability metrics relative to peer institutions.

Community Investment Focus: The bank emphasizes that customer deposits remain in the local community, supporting neighborhood small businesses and community initiatives rather than being deployed elsewhere.

Question 7

What type of financial institution is Spring Valley Bank?

Accepted Answer

Spring Valley Bank is a State-Chartered Commercial Bank that operates as an independent community bank. The institution is FDIC-insured (Certificate #34386) and is regulated under state banking laws.

As a commercial bank, Spring Valley Bank is authorized to accept deposits, make loans, and provide a full range of banking services. However, its business model aligns most closely with a specialized community bank that focuses on relationship banking and niche lending in real estate investment.

The bank maintains primary entity status within its holding company structure (RSSD ID: 3464340), indicating it is the principal banking subsidiary. Its classification as a community bank reflects its local market focus, single-office structure, and commitment to serving the specific financial needs of the Greater Cincinnati Area.

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