Springs Valley Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1336.02 percentage points higher than in Q1 2026, at 2474.50%. Within Indiana, Springs Valley Bank & Trust Company is 12th of 87 on return on assets, 1.84% as of Q2 2026, above the middle of the field. Springs Valley Bank & Trust Company reported 1.84% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.17% |
| Tier 1 risk-based capital ratio | 14.17% |
| Total risk-based capital ratio | 15.45% |
| Tier 1 leverage ratio | 12.50% |
| Equity capital to assets | 11.81% |
| Tangible equity to tangible assets | 11.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.22% |
| Texas ratio | 0.88% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 2474.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 15.60% |
| Net interest margin | 3.84% |
| Efficiency ratio | 57.62% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.65% |
| Core deposits to total deposits | 92.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.31% |
| Securities to assets | 11.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.52% | 12.52% | 13.79% | 11.36% | 1.11% |
| Q4 2023 | 12.47% | 12.47% | 13.75% | 11.29% | 0.71% |
| Q1 2024 | 11.72% | 11.72% | 12.99% | 10.40% | 0.87% |
| Q2 2024 | 11.84% | 11.84% | 13.12% | 10.63% | 1.06% |
| Q3 2024 | 12.12% | 12.12% | 13.39% | 10.73% | 0.97% |
| Q4 2024 | 12.45% | 12.45% | 13.73% | 10.71% | 0.82% |
| Q1 2025 | 13.01% | 13.01% | 14.28% | 10.87% | 1.31% |
| Q2 2025 | 13.20% | 13.20% | 14.47% | 11.14% | 1.33% |
| Q3 2025 | 13.65% | 13.65% | 14.91% | 11.62% | 1.62% |
| Q4 2025 | 13.73% | 13.73% | 15.01% | 11.83% | 1.24% |
| Q1 2026 | 13.96% | 13.96% | 15.23% | 12.38% | 1.86% |
| Q2 2026 | 14.17% | 14.17% | 15.45% | 12.50% | 1.84% |
Springs Valley Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Springs Valley Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)