BlastPoint's Banking Scorecard

Springs Valley Bank & Trust Company

$100M-$1B Specialty: Commercial IN FDIC cert 4419

French Lick, IN

6 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
Deposits +3.2% year over year ($589.6M on the books).
Delinquency rate 0.14%.
Return on assets 1.85%.
Efficiency ratio 57.32% vs a 64.48% peer average.
Loan-to-deposit ratio 86.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

Springs Valley Bank & Trust Company has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 7.9% in tier
+ Profitability Leader: Top 27.2% in tier
+ Efficiency Ratio 7.16% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 18.66% below tier average
- Net Interest Margin 0.11% below tier average

Get updates when Springs Valley Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$675.3M +4.5% YoY +4.8% QoQ	+$288.7M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 13.8% in tier
Total Loans ?	$509.4M +8.1% YoY +1.3% QoQ	+$251.1M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 10.6% in tier
Total Deposits ?	$589.6M +3.2% YoY +5.0% QoQ	+$262.9M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 12.9% in tier
Return on Assets ?	1.85% +39.3% YoY -0.8% QoQ	+0.53%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	3.88% +17.2% YoY -2.0% QoQ	-0.11%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	57.32% -10.9% YoY +2.4% QoQ	-7.16%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.14% -47.9% YoY -3.3% QoQ	-0.77%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	86.40% +4.7% YoY -3.5% QoQ	+8.45%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	3.37% -8.3% YoY -11.2% QoQ	-18.66%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	Bottom 2.3% in tier
Nonperforming Asset Ratio ?	0.11% -53.9% YoY -6.4% QoQ	-0.55%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	14.17% +7.4% YoY +1.5% QoQ	-1.73%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.89% +14.6% YoY +99.5% QoQ	+0.32%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	Top 4.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	3.4% -0.3pp YoY -0.4pp QoQ	-18.8pp	22.1%	16.8%	22.2%	2%
Brokered Deposits	n/a	n/a	7.9%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	11.1% +1.8pp YoY +0.6pp QoQ	-0.4pp	11.6%	11.1%	12.5%	59%
CRE	30.1% -0.1pp YoY -0.6pp QoQ	-9.4pp	39.5%	36.2%	41.4%	35%
1-4 Family	32.5% +0.2pp YoY +0.8pp QoQ	-0.1pp	32.6%	40.0%	31.3%	57%
Consumer	2.5% -0.4pp YoY 0.0pp QoQ	-1.6pp	4.1%	3.2%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	14.2% +1.0pp YoY +0.2pp QoQ	-4.7pp	18.8%	17.5%	19.7%	41%
Leverage Ratio	12.5% +1.4pp YoY +0.1pp QoQ	+0.3pp	12.2%	13.0%	12.6%	70%
Total Capital Ratio	15.4% +1.0pp YoY +0.2pp QoQ	-4.5pp	19.9%	18.7%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	122 +3 (+2.5%) YoY +1 (+0.8%) QoQ	+63	58	237	482	93%
Assets per Employee ($)	$5.5M +1.9% YoY +4.0% QoQ	-$2.0M	$7.5M	$7.5M	$8.8M	23%
Branch Count	6 0 YoY 0 QoQ	+1	4	17	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.4%	48%
Nonaccrual	0.1% -0.1pp YoY -0.1pp QoQ	-0.9pp	0.9%	0.8%	1.0%	13%
Allowance Coverage	10.05x +98.1% YoY +7.3% QoQ	-14.11x	24.15x	6.71x	20.23x	82%
Net Charge-off Rate (YTD)	-0.1% -0.2pp YoY -0.1pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	15.8% +2.7pp YoY -0.2pp QoQ	+3.6pp	12.2%	11.2%	11.6%	72%
Cost of Funds (YTD)	2.2% -0.4pp YoY +0.1pp QoQ	+0.5pp	1.7%	1.8%	1.7%	80%
Net Income ($, YTD)	$6.0M +42.1% YoY — QoQ	+$3.5M	$2.6M	$16.3M	$40.4M	92%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#53 of 661 • Top 7.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.89%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.85%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Profitability Leader

growth

#181 of 661 • Top 27.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.85%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

106

Non-Interest Income / Assets

revenue_mix

Value: 0.89%

Peer Median: 0.57%

#106 of 2643 Top 4.0% in $100M-$1B

281

Total Loans

size

Value: $509.43M

Peer Median: $258.35M

#281 of 2643 Top 10.6% in $100M-$1B

341

Total Deposits

size

Value: $589.60M

Peer Median: $326.73M

#341 of 2643 Top 12.9% in $100M-$1B

366

Total Assets

size

Value: $675.31M

Peer Median: $386.57M

#366 of 2643 Top 13.8% in $100M-$1B

475

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.32%

#475 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (1 metrics)

2584

Non-Interest-Bearing Deposit Share

funding

Value: 3.37%

Peer Median: 22.03%

#2584 of 2643 Bottom 2.3% in $100M-$1B