Springs Valley Bank & Trust Company

Overview / Commentary

www.svbt.bank

812-936-9961

8482 West State Road 56
French Lick, IN 47432

Springs Valley Bank & Trust Company is headquartered in FRENCH LICK and is the 33^rd largest bank in the state of Indiana. It is also the 1,507^th largest bank in the nation. It was established in 1902 and as of December of 2023, it had grown to 121 employees at 6 locations. Springs Valley Bank & Trust Company's money market rates are 7X the national average, and it has an A health rating.

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Health

Data as of Q4 2023

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Health Grade Components

Overall
FDIC Certificate #	4419
Year Established	1902
Employees	121
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.93%
Return on Equity - YTD	8.93%
Annual Interest Income	$29.6MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$613MM$560.6MM
Loans	Q4 2023vs Q4 2022	$477.1MM$446.1MM
Deposits	Q4 2023vs Q4 2022	$534.2MM$470.6MM
Equity Capital	Q4 2023vs Q4 2022	$64.1MM$59MM
Loan Loss Allowance	Q4 2023vs Q4 2022	$7MM$7MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$2MM$1.5MM
Real Estate Owned	Q4 2023vs Q4 2022	$49K$49K

Rates

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Savings
Money Market
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Springs Valley Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%	-	-	Companion saving account
0.25%^*	$5k^*	-	Health Savings Accoount
OTHER TIERS: 0.05% → Up to $20k \| 0.15% → $2k - $5k
0.15%^*	$20k^*	-	WIN (Weekly Interest Now)
OTHER TIERS: 0.10% → $1k - $20k
0.05%	$100	-	Focus Savings
0.02%	-	-	Vacation Club
0.02%	-	-	Christmas Club

Springs Valley Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.04%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.10% → Up to $50k \| 0.50% → $50k - $100k \| 1.00% → $100k - $250k

Springs Valley Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$1.5k	-	Premier Interest Checking
0.10%	-	-	eZDirect Interest Checking
0.00%	-	-	50+ Interest Checking

Locations

Springs Valley Bank & Trust Company Locations
Jasper Branch	1500 Main Street	Jasper, IN 47546
Springs Valley Bank & Trust Company	8482 W State Road 56	French Lick, IN 47432
3rd Avenue Branch	865 3rd Ave	Jasper, IN 47546
Springs Valley Bankd & Trust	867 Gospel Street	Paoli, IN 47454
Washington Branch	1717 South State Road 57	Washington, IN 47501
Princeton Banking Center	1501 West Broadway Street	Princeton, IN 47670

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