Crystal Valley Financial Corporation CYVF

Company Overview

Crystal Valley Financial Corporation is a U.S.-based bank holding company operating in the financial services and community banking industry. The company’s primary business is conducted through its wholly owned subsidiary, The First National Bank of Beardstown, which provides traditional commercial and retail banking services. Revenue is primarily derived from net interest income on loans and investment securities, as well as noninterest income from deposit-related services. The company is focused on serving individuals, small to mid-sized businesses, agricultural customers, and local governments.

Founded in 1909 through its banking subsidiary, the organization has evolved as a community-focused financial institution emphasizing relationship banking in rural and regional markets. Crystal Valley Financial Corporation was formed as a holding company in 1996, enabling broader capital management and strategic flexibility while maintaining a conservative operating model centered on local market expertise and long-term customer relationships.