Springs Valley Bank & Trust Company
French Lick, IN
IDRSSD: 93543
Total Assets
$636.59M
Latest filing
Total Deposits
$558.91M
Latest filing
Net Interest Margin
3.60%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Springs Valley Bank & Trust Company
8482 W State Road 56
French Lick, IN 47432
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1902FDIC Certificate 2918
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Springs Valley Bank & Trust Company (Main) | 8482 W State Road 56 | French Lick, IN |
| JASPER BRANCH | 1500 Main St | Jasper, IN |
| 3RD AVENUE BRANCH | 865 3rd Ave | Jasper, IN |
| SPRINGS VALLEY BANK & TRUST | 867 N Gospel St | Paoli, IN |
| WASHINGTON BRANCH | 1717 S State Road 57 | Washington, IN |
| PRINCETON BANKING CENTER | 1501 W Broadway St | Princeton, IN |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47432 |
| State and County Number | 18117 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 119 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.svbt.bank |
| Data Updated | 11/14/2025 |
| CERT | 4419 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $636.59M |
| Total Deposits | $558.91M |
| Total Liabilities | $566.46M |
| Total Equity Capital | $70.13M |
| Net Income | $2.61M |
| Net Loans and Leases | $471.18M |
| Assets Per Employee ($Millions) | $5.44M |
| Bank Premises and Fixed Assets | $7.02M |
| Cash and Balances due from Depository Institutions | $18.35M |
| Deposits Held in Domestic Offices | $558.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.63% |
| Return on Equity (ROE) | 15.32% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 63.99% |
| Tier 1 Risk-Based Capital Ratio | 13.652% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.016% |
| Earning Assets to total Assets | 92.58% |
Income and Expense
| Total Interest Income | $8.99M |
| Total Noninterest Income | $2.59M |
| Total Interest Expense | $3.65M |
| Total Noninterest Expense | $5.08M |
| Net Interest Income | $5.34M |
| Pre-tax Net Operating Income | $2.73M |
| Provision for Credit Losses | $128.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $157.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $40.45M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.55M |
| Total Liabilities and Capital | $636.59M |
Securities
| Securities | $70.16M |
| Available-for-sale debt securities | $69.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Springs Valley Bank & Trust Company?
$636.59M as of the latest filing.
How much are Springs Valley Bank & Trust Company's total deposits?
$558.91M in total deposits.
Where is Springs Valley Bank & Trust Company located?
French Lick, IN.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.63%.
How much are total loans and leases?
$471.18M (latest filing).
What is the total interest income (latest filing)?
$8.99M.