BlastPoint's Banking Scorecard

Springs Valley Bank & Trust Company

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

French Lick, IN

6 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Springs Valley Bank & Trust Company has 4 strengths but faces 1 concern

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 7.5% in tier
+ Profitability Leader: Top 29.1% in tier
+ Efficiency Ratio 9.29% below tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 18.22% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$644.2M +0.8% YoY +0.0% QoQ	+$258.1M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$502.7M +8.6% YoY +3.1% QoQ	+$247.0M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 10.8% in tier
Total Deposits ?	$561.3M -0.6% YoY -0.5% QoQ	+$233.3M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	1.86% +41.4% YoY +34.6% QoQ	+0.59%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	3.95% +24.6% YoY +12.7% QoQ	+0.02%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	55.99% -12.3% YoY -12.4% QoQ	-9.29%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.15% -36.2% YoY +9.7% QoQ	-0.74%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	89.56% +9.3% YoY +3.6% QoQ	+12.92%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	3.80% -0.6% YoY +12.3% QoQ	-18.22%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	Bottom 2.6% in tier
Nonperforming Asset Ratio ?	0.12% -43.9% YoY +12.4% QoQ	-0.52%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	13.96% +7.3% YoY +1.6% QoQ	-1.87%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.45% +7.8% YoY -71.7% QoQ	+0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	Top 3.9% in tier

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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

#51 of 666 • Top 7.5% 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: 0.45%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.86%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#195 of 666 • Top 29.1% in tier

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

Why this signature

Return on Assets: 1.86%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

105

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.28%

#105 of 2664 Top 3.9% in $100M-$1B

289

Total Loans

size

Value: $502.68M

Peer Median: $255.72M

#289 of 2664 Top 10.8% in $100M-$1B

409

Total Deposits

size

Value: $561.28M

Peer Median: $327.97M

#409 of 2664 Top 15.3% in $100M-$1B

428

Total Assets

size

Value: $644.21M

Peer Median: $386.08M

#428 of 2664 Top 16.0% in $100M-$1B

437

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.27%

#437 of 2664 Top 16.4% in $100M-$1B

Top Weaknesses (1 metrics)

2596

Non-Interest-Bearing Deposit Share

funding

Value: 3.80%

Peer Median: 22.02%

#2596 of 2664 Bottom 2.6% in $100M-$1B