Springs Valley Bank & Trust Company
French Lick, IN · Cert 4419 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SVB&T Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$675.3MAssets
$516.8MLoans
$589.6MDeposits
$79.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 88% of banks under $1B in assets operating in a single state (rank 91 of 746).
- Widest gap: net interest margin trails 57% of banks under $1B in assets operating in a single state (rank 426 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.79%
Rank 91 of 746
Net Interest Margin
3.55%
Rank 426 of 746
Efficiency Ratio
57.32%
Rank 222 of 746
Equity / Assets
11.81%
Rank 249 of 746
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.72% | 1.06% | 1.45% | Beats 88% | 91 / 746 | |
| Return on Equity | 15.17% | 6.74% | 10.51% | 13.63% | Beats 84% | 120 / 746 | |
| Net Interest Margin | 3.55% | 3.17% | 3.68% | 4.16% | Beats 43% | 426 / 746 | |
| Efficiency Ratio | 57.32% | 55.74% | 64.58% | 75.47% | Beats 70% | 222 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 219 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 374 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.17% | 11.55% | 13.75% | 17.60% | Beats 54% | 346 / 746 | |
| Total Risk-Based Capital Ratio | 15.45% | 11.71% | 14.33% | 18.43% | Beats 59% | 305 / 746 | |
| Equity / Assets | 11.81% | 8.90% | 10.51% | 13.06% | Beats 67% | 249 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.65% | 61.31% | 78.27% | 90.78% | 70th pctl | 227 / 746 | |
| Loans / Assets | 76.53% | 53.60% | 66.97% | 76.08% | 76th pctl | 176 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |