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Springs Valley Bank & Trust Company

French Lick, IN · Cert 4419 · SVB&T Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$675.3MAssets
$516.8MLoans
$589.6MDeposits
$79.8MEquity
Loan mix
86%RE $390.4M12%C&I $52.7M3%Consumer $12.6MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $569.7M3%Noninterest $19.9MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.51%Q2 ’255.65%Q2 ’26+17%+11%

Non-interest income vs. expense

3.27%Q2 ’243.01%Q2 ’253.18%Q2 ’26+10%-16%

Executive Summary

  • Earnings: ROA of 1.85%, up 51 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.14% of loans (-13 bps YoY), with net recoveries of 0.22%.
  • Capital: tier 1 leverage ratio of 12.50%, up 136 bps from a year ago.
  • Funding: loans stand at 87.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.85%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+36 bps YoY

Efficiency Ratio (quarter, annualized)

58.62%-618 bps YoY

Tier 1 Leverage Ratio

12.50%+136 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.63%1.25%1.86%1.85%+51 bps
Return on Equity13.18%15.32%11.23%16.06%15.60%+242 bps
Net Interest Margin3.17%3.33%3.50%3.66%3.53%+36 bps
Efficiency Ratio64.80%63.99%63.05%55.99%58.62%-618 bps
Non-Interest Burden1.54%1.55%1.62%1.27%1.29%-25 bps
Growth
Asset Growth (YoY)3.77%2.41%0.85%0.76%4.51%+74 bps
Loan Growth (YoY)-1.90%-2.32%3.06%8.49%8.15%+1,005 bps
Deposit Growth (YoY)6.63%1.64%-0.27%-0.62%3.20%-343 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.25%0.13%0.15%0.14%-13 bps
Net Charge-Offs / Loans0.23%0.17%-0.02%-0.01%-0.22%-45 bps
Allowance / Loans1.38%1.37%1.37%1.38%1.43%+4 bps
Allowance Coverage of NPLs5.1x5.5x10.2x9.4x10.0x+5.0x
Capital
Tier 1 Leverage Ratio11.14%11.62%11.83%12.38%12.50%+136 bps
Total Risk-Based Capital14.47%14.91%15.01%15.23%15.45%+97 bps
Equity / Assets10.21%11.02%11.31%11.89%11.81%+160 bps
Liquidity & Funding
Loans / Deposits83.64%85.47%87.62%90.81%87.65%+401 bps
Liquid Assets / Assets1.23%1.19%0.84%0.80%1.22%-1 bps
CRE / Total Capitaln/a195.98%192.64%192.99%n/an/a