Headquartered in French Lick, Indiana, Springs Valley Bank & Trust Company is a state-chartered bank with $675.3M in total assets and $589.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, Springs Valley Bank & Trust Company scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 9th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is funding & liquidity (43/100; 86% loans-to-deposits, 43% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (73 → 81), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 82 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.63% |
| Q3 2024 | 10.73% |
| Q4 2024 | 10.71% |
| Q1 2025 | 10.87% |
| Q2 2025 | 11.14% |
| Q3 2025 | 11.62% |
| Q4 2025 | 11.83% |
| Q1 2026 | 12.38% |
| Q2 2026 | 12.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.86% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $675.3M | 12.50% | 0.14% | 1.85% | 86.4% |
| Q1 2026 | 82 | $644.2M | 12.38% | 0.15% | 1.86% | 89.6% |
| Q4 2025 | 76 | $644.1M | 11.83% | 0.13% | 1.38% | 86.4% |
| Q3 2025 | 75 | $636.6M | 11.62% | 0.25% | 1.43% | 84.3% |
| Q2 2025 | 73 | $646.1M | 11.14% | 0.27% | 1.33% | 82.5% |
| Q1 2025 | 73 | $639.3M | 10.87% | 0.23% | 1.32% | 82.0% |
| Q4 2024 | 70 | $638.7M | 10.71% | 0.27% | 0.93% | 83.6% |
| Q3 2024 | 69 | $621.6M | 10.73% | 0.32% | 0.97% | 87.7% |
| Q2 2024 | 67 | $622.7M | 10.63% | 0.32% | 0.96% | 89.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings BankBank Rochester, IN | 56 out of 100, Moderate | $686.6M | 9.3% | 0.94% | vs |
| Citizens BankBank Mooresville, IN | 71 out of 100, Strong | $690.6M | 9.8% | 0.09% | vs |
| DeMotte State BankBank Demotte, IN | 54 out of 100, Below average | $622.0M | 11.9% | 3.55% | vs |
| Crossroads BankBank Wabash, IN | 57 out of 100, Moderate | $616.1M | 9.5% | 1.41% | vs |
| Freedom BankBank Huntingburg, IN | 82 out of 100, Strong | $585.7M | 12.6% | 0.23% | vs |
| The North Salem State BankBank North Salem, IN | 64 out of 100, Moderate | $769.6M | 9.0% | 0.67% | vs |
Deposit insurance
Is my money safe at Springs Valley Bank & Trust Company?
Yes. Springs Valley Bank & Trust Company is an FDIC-insured institution (FDIC certificate #4419). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.5% of deposits ($250.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.45% (benchmark: 10%).
6 locations
Branches
Springs Valley Bank & Trust Company lists 6 offices in 5 cities. Most locations:
- Jasper, IN (2)
- French Lick, IN (1)
- Paoli, IN (1)
- Princeton, IN (1)
- Washington, IN (1)
Identity & history
Profile
- Legal name
- Springs Valley Bank & Trust Company
- Former names
- The Springs Valley National Bank; The West Baden National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4419
- RSSD ID
- 93543
- Primary regulator
- FDIC
- Holding company
- Svb&t Corp
- Established
- January 1, 1902
- Headquarters
- 8482 W State Road 56, French Lick, IN 47432
- Website
- www.svbt.bank
- Employees
- 122
Quick answers
Springs Valley Bank & Trust Company: common questions
Is Springs Valley Bank & Trust Company FDIC insured?
Yes. Springs Valley Bank & Trust Company is an FDIC-insured institution (FDIC certificate #4419). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Springs Valley Bank & Trust Company's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Springs Valley Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #4419 in the FDIC failed bank list.
How many branches does Springs Valley Bank & Trust Company have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near French Lick
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom BankBank Huntingburg, IN | 82 out of 100, Strong | $585.7M | 12.6% | 0.23% | vs |
| Beacon Credit UnionCredit union Wabash, IN | 76 out of 100, Strong | $1.8B | 13.5% | 0.47% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Dubois-Pike Federal Credit UnionCredit union Jasper, IN | 72 out of 100, Strong | $48.9M | 10.2% | 0.34% | vs |
| Crane Credit UnionCredit union Odon, IN | 69 out of 100, Moderate | $1.2B | 12.8% | 1.69% | vs |
| Martin County CooperativeCredit union Loogootee, IN | 67 out of 100, Moderate | $24.6M | 16.6% | 2.74% | vs |