C
Springs Valley Bank & Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
15.01
Leverage
Ratio
11.83
Return On
Assets
1.38%
Total
Assets
644.14M
Capital
72.85M
Total
Deposits
564.02M
Net
Income
8.87M
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Weiss Ratings Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Rating C
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 1.40
Profitability Index 6.30
Stability Index 5.00
Company Info Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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FDIC Number 4419
Phone Number (812) 634-1010
Website www.svbt.bank
Asset Quality Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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1-Year Asset Growth 0.85%
5-Year Asset Growth 5.98%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 0.81%
Non-Performing Loans to Loans 0.13%
Balance Sheet Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Total Assets 644.14M
Total Deposits 564.02M
Capital and Reserves Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Capital 72.85M
Leverage Ratio 11.83
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio 15.01
Liquidity Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Hot Money Ratio 18.94%
Liquidity Ratio 21.27%
Profitability Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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5-Year Return on Average Assets 1.09%
Net Income 8.87M
Net Interest Spread 3.51%
Operating Profit to Average Assets 1.65%
Overhead Efficiency Ratio 63.90%
Return on Assets 1.38%
Return on Equity 13.20%