Springs Valley Bank & Trust Company

BankFrench Lick, Indiana
www.svbt.bank

Total Assets

$644.1M

Total Deposits

$564.0M

Branches

6

Established

1902

TFS Health Grade

$
C+

77.2 / 100

Average financial health

How we grade

Springs Valley Bank & Trust Company is a bank headquartered in French Lick, Indiana, established in 1902. With $644.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (77.2/100).

Capital & Safety

Tier 1 Capital Ratio
11.83%(8%)
Total Capital Ratio
15.01%(10%)
Non-Performing Loan Ratio
0.13%

Profitability

Return on Assets (ROA)
1.38%(1%)
Return on Equity (ROE)
13.17%(10%)
Net Interest Margin
3.51%
Efficiency Ratio
63.90%(60%)

Lending & Liquidity

Total Loans
$494.2M
Loan-to-Deposit Ratio
86.42%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+0.85%
Deposit Growth (YoY)
-0.27%
Net Income
$8.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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