C
Springs Valley Bank & Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
15.45
Leverage
Ratio
12.50
Return On
Assets
1.85%
Total
Assets
675.31M
Capital
79.77M
Total
Deposits
589.60M
Net
Income
6.05M
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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 1.50
Profitability Index 7.70
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 4.51%
5-Year Asset Growth 5.98%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans -0.11%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.76%
Non-Performing Loans to Loans 0.06%
Balance Sheet Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Total Assets 675.31M
Total Deposits 589.60M
Capital and Reserves Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Capital 79.77M
Leverage Ratio 12.50
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 15.45
Liquidity Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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Hot Money Ratio 18.40%
Liquidity Ratio 21.90%
Profitability Springs Valley Bank & Trust Company
French Lick, IN 		Click to
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5-Year Return on Average Assets 1.17%
Net Income 6.05M
Net Interest Spread 3.91%
Operating Profit to Average Assets 2.21%
Overhead Efficiency Ratio 57.32%
Return on Assets 1.85%
Return on Equity 15.82%