BlastPoint's Banking Scorecard
Springs Valley Bank & Trust Company
Community
Specialty: Commercial
IN
FDIC cert 4419
French Lick, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Springs Valley Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 22% in Community
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$644.1M
+0.8% YoY
+1.2% QoQ
|
-$747.3M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$487.4M
+3.1% YoY
+3.4% QoQ
|
-$488.0M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$564.0M
-0.3% YoY
+0.9% QoQ
|
-$600.6M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.38%
+49.0% YoY
-3.2% QoQ
|
+0.22% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.51%
+17.8% YoY
+2.8% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
63.90%
-14.8% YoY
-0.5% QoQ
|
+1.27% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.14%
-49.8% YoY
-46.4% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
86.42%
+3.4% YoY
+2.5% QoQ
|
+3.36% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
3.38%
-7.2% YoY
-4.8% QoQ
|
-17.66% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-47.8% YoY
-48.8% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.73%
+10.3% YoY
+0.6% QoQ
|
+3.49% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
1.58%
-3.2% YoY
+31.9% QoQ
|
+0.84% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#84 of 371 · Top 22% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.58%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.38%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.38%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
68
68th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.16%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 10.24%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.42% · Tier avg: 83.06%
45
45th pctile
Efficiency Ratio
Current: 63.90% · Tier avg: 62.63%
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
29
29th pctile
Total Loans
Current: $487.4M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $564.0M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $644.1M · Tier avg: $1.4B
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.38% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.38% · Tier avg: 21.05%
20
20th pctile
Total Assets
Current: $644.1M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $564.0M · Tier avg: $1.2B
29
29th pctile
Total Loans
Current: $487.4M · Tier avg: $975.5M
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
45
45th pctile
Efficiency Ratio
Current: 63.90% · Tier avg: 62.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.42% · Tier avg: 83.06%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 10.24%
68
68th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.16%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%