Springs Valley Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 53.1% lower than in Q1 2026, at $882K. Springs Valley Bank & Trust Company ranks 36th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 87.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Springs Valley Bank & Trust Company sits 6.81 points higher, at 87.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $516.8M |
| Net loans and leases | $509.4M |
| Loans held for sale | $882K |
| Loans to total assets | 76.53% |
| Loan-to-deposit ratio | 87.65% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.64% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 10.97% |
| Consumer | 2.47% |
| Credit cards | 0.24% |
| Farm | 14.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.14% |
| Construction concentration (Tier 1 capital + allowance) | 32.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $8.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $474.8M | $508.9M | 23.00% | 8.92% | 2.93% |
| Q4 2023 | $484.0M | $534.2M | 22.61% | 9.39% | 2.85% |
| Q1 2024 | $482.9M | $523.8M | 23.13% | 9.65% | 2.77% |
| Q2 2024 | $487.1M | $535.8M | 22.26% | 9.09% | 2.91% |
| Q3 2024 | $489.1M | $549.9M | 22.33% | 8.96% | 2.86% |
| Q4 2024 | $479.5M | $565.5M | 22.84% | 8.51% | 2.79% |
| Q1 2025 | $469.8M | $564.8M | 21.71% | 9.07% | 2.83% |
| Q2 2025 | $477.9M | $571.3M | 21.80% | 9.17% | 2.83% |
| Q3 2025 | $477.7M | $558.9M | 21.45% | 9.14% | 2.66% |
| Q4 2025 | $494.2M | $564.0M | 21.52% | 8.97% | 2.57% |
| Q1 2026 | $509.7M | $561.3M | 21.37% | 10.35% | 2.47% |
| Q2 2026 | $516.8M | $589.6M | 20.64% | 10.97% | 2.47% |
Springs Valley Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Springs Valley Bank & Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Springs Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4419) · FFIEC NIC profile (RSSD 93543)