Springs Valley Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Springs Valley Bank & Trust Company of French Lick, IN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 15.60% | 13.31% | +2.29% | 69th above |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 57.62% | 61.14% | -3.52% | 61st above |
| PPNR / Avg Assets | 2.24% | 1.68% | +0.56% | 81st top |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 2.42% | 1.88% | +0.54% | 17th bottom |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 77th top |
| NCO / Avg Loans | -0.22% | 0.16% | -0.38% | 98th top |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 73rd above |
| ACL / NPLs (Coverage) | 2474.50% | 1538.00% | +936.50% | — |
| Texas Ratio | 0.88% | 7.34% | -6.46% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.17% | 19.51% | -5.34% | 41st below |
| Tier 1 Ratio | 14.17% | 19.54% | -5.37% | 40th below |
| Total Capital Ratio | 15.45% | 20.63% | -5.18% | 42nd below |
| Leverage Ratio | 12.50% | 12.14% | +0.36% | 70th above |
| Equity / Assets | 11.81% | 11.37% | +0.44% | 69th above |
| TCE / Tangible Assets | 11.79% | 11.09% | +0.70% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.65% | 80.63% | +7.02% | 34th below |
| Core Deposit Ratio | 92.03% | 86.86% | +5.17% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.51% | 6.85% | -2.34% | 51st above |
| Loan Growth (Y/Y) | 8.15% | 7.90% | +0.25% | 66th above |
| Deposit Growth (Y/Y) | 3.20% | 6.29% | -3.09% | 44th below |
See Springs Valley Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Springs Valley Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Springs Valley Bank & Trust Company profile, how to read a UBPR, or how this data updates.