Springs Valley Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Springs Valley Bank & Trust Company is an FDIC-insured commercial bank headquartered in French Lick, IN, established in 1902 (FDIC certificate 4419), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $675.3M, up 4.5% from Q2 2025, the 32nd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 14.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4419
- Headquarters
- French Lick, IN
- Established
- 1902
- Total assets, Q2 2026
- $675.3M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 14.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 083909445
- Latest call report
- Q2 2026, FFIEC 051 · Springs Valley Bank & Trust Company call report
- Holding company
- SVB&T CORPORATION
- Asset rank in state
- 32nd of 87 in Indiana
Springs Valley Bank & Trust Company pays more for its money than most banks of its size. Its balance sheet stood at $675 million at June 30, 2026, up 4.5% from a year earlier; it is based in French Lick, Indiana. It pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it earns about $1.84 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $3.0 million, 42% above the same quarter a year earlier. Over the same year, loans grew 8.2% and deposits grew 3.2%. One more trend to watch: the commercial and industrial book ($57 million) is worsening: 0.75% of it is past due or on nonaccrual, up from 0.15% a year earlier.
As of June 30, 2026, Springs Valley Bank & Trust Company reported a CET1 capital ratio of 14.17%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Springs Valley Bank & Trust Company is the 32nd largest of the 87 banks headquartered in Indiana. From Q1 2026 to Q2 2026, its total assets rose 4.8% to $675.3M, loans rose 1.4% and deposits rose 5.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.1% of total loans, followed by farmland and other real estate loans at 14.7%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IN; its Jasper 2 offices book 61% of its branch deposits. On its Q2 2026 call report, Springs Valley Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8482 W State Road 56, French Lick, IN 47432
- County
- Orange
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Former names
- The Springs Valley National Bank (1958-1979)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $589.6M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- -$290K
- Average total assets
- $664.1M
- Average total loans
- $512.9M
- Average interest-bearing deposits
- $558.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4419
- Fed RSSD
- 93543
- Website
- www.svbt.bank →
- Parent Holding Company
- SVB&T CORPORATION (RSSD 1098385)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Springs Valley Bank & Trust Company's total assets ranged from $583.6M (Q3 2023) to $675.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$675.3M total assets against $646.1M; $595.5M total liabilities against $580.2M.
$509.4M net loans and leases against $471.2M; $589.6M total deposits against $571.3M.
$75.5M securities against $66.7M; $54.9M cash and balances due against $71.1M.
$9.4M total interest income against $8.9M; $3.5M total interest expense against $3.8M.
$5.9M net interest income against $5.1M.
$3.1M total noninterest income against $2.4M; $5.3M total noninterest expense against $4.9M.
$78K provision for credit losses against $28K.
$3.0M net income against $2.2M.
1.84% return on assets against 1.33%; 3.84% net interest margin against 3.45%.
14.17% CET1 capital ratio against 13.20%; 12.50% tier 1 leverage ratio against 11.14%.
Inside the full Springs Valley Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSprings Valley Bank & Trust Company rankings
Its closest position to the top of a national ranking is 694 of 3,611, for ROA; its furthest is 2,774 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.82% (Q4 2024) to 1.86% (Q1 2026) and its net interest margin ran from 3.03% (Q3 2024) to 3.98% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.17% | 1.84% | 0.14% | 0.83% | 3.84% |
| Q1 2026 | 13.96% | 1.86% | 0.15% | 0.89% | 3.98% |
| Q4 2025 | 13.73% | 1.24% | 0.13% | 0.86% | 3.81% |
| Q3 2025 | 13.65% | 1.62% | 0.25% | 1.76% | 3.63% |
| Q2 2025 | 13.20% | 1.33% | 0.27% | 2.20% | 3.45% |
| Q1 2025 | 13.01% | 1.31% | 0.23% | 1.94% | 3.18% |
| Q4 2024 | 12.45% | 0.82% | 0.27% | 1.89% | 3.07% |
| Q3 2024 | 12.12% | 0.97% | 0.32% | 2.30% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jasper Branch | Jasper , IN | 47546 | $334.9M |
| Springs Valley Bank & Trust Company (main office) | French Lick , IN | 47432 | $107.6M |
| Springs Valley Bank & Trust | Paoli , IN | 47454 | $80.8M |
| 3rd Avenue Branch | Jasper , IN | 47546 | $25.9M |
| Princeton Banking Center | Princeton , IN | 47670 | $23.9M |
| Washington Branch | Washington , IN | 47501 | $16.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IN, rank 48 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Springs Valley Bank & Trust Company
What are Springs Valley Bank & Trust Company's total assets?
As of the Q2 2026 filing, Springs Valley Bank & Trust Company reported total assets of $675.3 million in its FFIEC call report.
Where is Springs Valley Bank & Trust Company headquartered?
It is headquartered in French Lick, IN, United States.
When was Springs Valley Bank & Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Springs Valley Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4419). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Springs Valley Bank & Trust Company?
Springs Valley Bank & Trust Company's primary federal regulator is the FDIC.
What is Springs Valley Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Springs Valley Bank & Trust Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Springs Valley Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 0.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Springs Valley Bank & Trust Company previously called?
The charter now named Springs Valley Bank & Trust Company has also operated as The Springs Valley National Bank (1958-1979), per FDIC structure-change records.
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