Total Assets
$644M
Total balance-sheet footings
FDIC Cert #4419 · French Lick, Indiana · Est. 1902
Springs Valley Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Springs Valley Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $644M
- Total assets
- A
- Health grade · Excellent
- 1.38%
- Return on assets
- 13.7%
- Tier 1 capital
Data updated July 2026
The verdict
Springs Valley Bank & Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.73% Tier 1, profitable at 1.38% ROA, 64% efficiency ratio.
- #1,480
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 13.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Springs Valley Bank & Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Springs Valley Bank & Trust Company's composite health score
Tier 1 Capital Ratio (13.73%) 35/40
Return on Assets (ROA) (1.38%) 20/25
Texas Ratio (0.83%) 20/20
Efficiency Ratio (63.90%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$564M
Customer-funded liabilities
Net Loans
$487M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Springs Valley Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Springs Valley Bank & Trust Company's score of 83/100 falls in the highlighted band.
Springs Valley Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Springs Valley Bank & Trust Company's $644M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.73%
Texas Ratio
0.83%
Equity Capital
$73M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
13.17%
Efficiency Ratio
63.90%
What the numbers say about Springs Valley Bank & Trust Company
Springs Valley Bank & Trust Company is an FDIC-insured institution (Certificate #4419) headquartered in French Lick, Indiana, established in 1902. It holds $644M in total assets - 1,480th of 4,313 FDIC-insured banks, $564M in customer deposits, and $487M in net loans. Capital-wise, the Tier 1 ratio sits at 13.73%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.83%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Springs Valley Bank & Trust Company sits 33rd of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$10M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Springs Valley Bank & Trust Company reports a Texas Ratio of 0.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Springs Valley Bank & Trust Company (FDIC Cert #4419) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Springs Valley Bank & Trust Company's health grade?▼
Springs Valley Bank & Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Springs Valley Bank & Trust Company?▼
Springs Valley Bank & Trust Company holds $644M in total assets and $564M in deposits, ranking 1,480th of 4,313 FDIC-insured banks by asset size. It is headquartered in French Lick, Indiana.
Is my money safe at Springs Valley Bank & Trust Company?▼
Yes, deposits at Springs Valley Bank & Trust Company (Certificate #4419) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Springs Valley Bank & Trust Company's Tier 1 Capital Ratio?▼
Springs Valley Bank & Trust Company has a Tier 1 Capital Ratio of 13.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Springs Valley Bank & Trust Company?▼
Springs Valley Bank & Trust Company has a Texas Ratio of 0.83%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Springs Valley Bank & Trust Company?▼
Springs Valley Bank & Trust Company has an Efficiency Ratio of 63.90%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Springs Valley Bank & Trust Company's profile as a depositor or analyst.
- Springs Valley Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Springs Valley Bank & Trust Company against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.