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Springs Valley Bank & Trust Company
French Lick, IN · FDIC Certificate #4419 · Chartered 01/0
Total assets
$675.31M
Total deposits
$589.60M
Total equity
$79.77M
Net loans
$509.43M
Branches (offices)
6
Net income (YTD)
$6.05M
Rank: #1,407 of 4,213 U.S. banks by assets · #32 of 87 in Indiana. Assets changed 4.5% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 15.83% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 11.81% |
| Tier 1 leverage ratio | 12.50% |
| Uninsured deposits (share of deposits) | 42.5% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 86.4% |
| Real estate loans (share of loans) | 77.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $395.25M | 77.6% | |
| Commercial & industrial | $56.68M | 11.1% | |
| Consumer / individual | $12.79M | 2.5% | |
| Construction & development | $29.11M | 5.7% | |
| Agricultural | $43.02M | 8.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $518.59M | $431.50M | $3.21M | $56.08M |
| Jun 2023 | $609.26M | $534.67M | $2.76M | $61.48M |
| Jun 2024 | $622.66M | $535.77M | $2.95M | $60.46M |
| Jun 2025 | $646.15M | $571.30M | $4.26M | $65.98M |
| Jun 2026 | $675.31M | $589.60M | $6.05M | $79.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $589.60M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $589.60M.
Similar-sized banks
The Hardin County Bank ($676.67M) · Apple River State Bank ($675.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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