Svb&T Corp
SVB&T Corporation (OTCQX: SVBT) is a publicly-traded Indiana bank holding company operating Springs Valley Bank & Trust Company, a community bank founded in 1902 serving individuals, small/mid-sized businesses, agricultural operations, and wealth management clients across Southwest Indiana through six banking centers and digital channels, with a Financial Advisory Group managing over $1 billion in AUM.
- Company typePublic
- Founded1902
- HeadquartersJasper, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Svb&T Corp does
SVB&T Corporation is a publicly-traded Indiana bank holding company (OTCQX: SVBT) that operates Springs Valley Bank & Trust Company, a community bank founded in 1902 and headquartered in Jasper, Indiana. The company serves individuals, small and mid-sized businesses, agricultural operations, and wealth management clients across Southwest Indiana through six physical banking centers in Dubois, Daviess, Gibson, and Orange Counties, complemented by Interactive Teller Machines and a Fiserv-powered digital banking platform offering online banking, a mobile app with mobile check deposit, Zelle P2P payments, bill pay via CheckFree, and Credit Sense credit monitoring. The Financial Advisory Group, operating through a Cetera Investment Services partnership, manages over $1 billion in assets under management across investment, trust, estate, and retirement planning services. The bank is FDIC-insured and Equal Housing Lender designated, with the Habig family maintaining board influence since the 1959 predecessor merger.
The business model is a traditional community bank revenue mix: net interest income from commercial, consumer, mortgage, and agricultural lending, plus noninterest income from deposit fees, wire services, merchant processing, and credit card services, supplemented by wealth management fees. Q1 2026 net interest income reached $5.92M (up 26% YoY) and net income reached $2.99M (up 41.88% YoY), with ROA of 1.86% and book value per share of $69.78 (up 16.18% YoY). The go-to-market combines community-led local relationship banking with digital self-service channels including a 20-minute online mortgage pre-approval platform. Pricing is rate-based: automobile loans range from 6.250% to 7.885% APR by term, and Health Savings Account rates range from 0.05% to 0.25% APY by balance tier.
The company operates with approximately 101-250 employees across personal banking, business banking, agriculture, financial advisory, mortgage, compliance, IT, marketing, HR, accounting, operations, and credit administration. Technology is primarily sourced through partners — Fiserv for core digital banking, CheckFree for bill pay, Google Analytics for web analytics, and AudioEye for accessibility — with no proprietary AI/ML capabilities disclosed. The customer base is highly distributed across retail consumers, SMBs, and farmers with no enterprise concentration, yielding low customer concentration risk but exposure to local Southwest Indiana economic conditions.
Svb&T Corp firmographics
Firmographics- Name
- Svb&T Corp
- Legal name
- Springs Valley Bank & Trust Company
- Website
- https://svbt.bank
- Company type
- Public
- Founded year
- 1902
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- SVB&T Corporation (OTCQX: SVBT) is a publicly-traded Indiana bank holding company operating Springs Valley Bank & Trust Company, a community bank founded in 1902 serving individuals, small/mid-sized businesses, agricultural operations, and wealth management clients across Southwest Indiana through six banking centers and digital channels, with a Financial Advisory Group managing over $1 billion in AUM.
- Ownership category
- akta.pro rank
Where Svb&T Corp is headquartered
LocationHeadquarters
- HQ city
- Jasper
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Svb&T Corp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income earned from loan portfolio (commercial, consumer, mortgage, agricultural loans) minus interest expense paid on deposits. Driven by loan yields and deposit interest costs from Federal Reserve rate environment. Q1 2026 net interest income of $5.92 million, up from $4.70 million prior year period.
- Noninterest Income: Fee income from deposit accounts, wire services, merchant processing, credit card services, and other banking service charges. Q1 2026 saw $226,000 increase in noninterest income.
- Financial Advisory Services: Wealth management, investment management, estate planning, tax planning, and retirement planning services through Springs Valley Financial Services (Cetera partnership). The Financial Advisory Group reached $1 billion in assets under management.
- Mortgage Banking: Origination and servicing of residential mortgage loans including purchase, construction, and refinancing options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Automobile loans - 84 month term |
| Other | Monthly | Automobile loans - 72 month term |
| Other | Monthly | Automobile loans - 60 month term (newer vehicles) |
| Other | Monthly | Automobile loans - 48 month term (newer vehicles) |
| Other | Monthly | Automobile loans - older models (2009-2017) |
| Subscription | Monthly | Health Savings Account - $0.01 - $1,999.99 |
| Subscription | Monthly | Health Savings Account - $2,000 - $4,999.99 |
| Subscription | Monthly | Health Savings Account - $5,000+ |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels14 records
Svb&T Corp product offering
Product offeringCore offering
SVB&T Corp operates as a public bank holding company whose primary subsidiary, Springs Valley Bank & Trust Company, is a community bank serving Southwest Indiana. It offers personal and business deposit accounts, consumer and commercial loans (including agricultural lending), residential mortgages, digital banking, and wealth management through its Financial Advisory Group managing over $1 billion in assets under management.
Product overview
Springs Valley Bank & Trust Company operates as a community bank offering a comprehensive suite of banking products and financial services. The core banking platform includes personal and business checking/savings accounts with multiple tiers, digital banking services (Online Banking and Mobile Banking App), and lending products (mortgages, consumer loans, commercial loans, and agricultural loans). The bank differentiates through its Financial Advisory Group managing over $1 billion in assets, offering investment management, trust services, estate planning, and retirement planning through Springs Valley Financial Services partnership with Cetera Investment Services. Digital capabilities include mobile check deposit, Zelle P2P payments, bill pay via CheckFree, credit monitoring (Credit Sense), and an Interactive Teller Machine network. The bank serves Southwest Indiana communities from six banking centers.
Differentiator
Problem solved
Functional benefit
Brands
- Financial Advisory Group: Full-service financial advisory services including investment management, trust services, estate planning, and wealth management
- Springs Valley Financial Services
Products and services
- Online Banking Internet-based banking platform that lets customers check balances, view account history, transfer funds, order checks, request stop payments, change addresses, and pay bills.
- Mobile Banking App
Quantifiable outcome
- Q1 2026 EPS increased 41.88% to $2.71 from $1.91 in prior year period
- +4 more outcomes
Companies that use Svb&T Corp
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
Svb&T Corp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Svb&T Corp partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Cetera Investment ServicescoreSprings Valley Financial Services operates as a marketing name of Cetera Investment Services. The partnership enables Springs Valley to offer investment products and services including mutual funds, ETFs, individual stocks, and variable annuities through licensed Investment Adviser Representatives (IARs). The Financial Advisory Group has reached $1 billion in assets under management through this partnership.
- FiservcoreMobile banking app is powered by Fiserv, providing the technology platform for mobile check deposit, account management, transfers, bill pay, and other digital banking services.
Scale indicators9 records
Recent moves10 records
Expansion highlights6 records
Svb&T Corp competitors and assessment
Company assessmentBroad incumbents
- Old National Bancorp: Large Indiana-headquartered regional bank holding company offering the full suite of community/wealth/commercial banking across multiple states — broader geographic and product footprint, but serves overlapping Indiana markets.
Others
- Hauppauge Federal Credit Union: Not a strong peer; included only as a non-bank depository institution demonstrating how community-oriented deposit and lending institutions operate. (Retained as placeholder; primary peer list above.)
Direct peers
- Stock Yards Bank & Trust: Kentucky-headquartered community bank with full-service consumer/business banking and wealth/trust services — directly comparable community-trust-bank business model across the Ohio Valley region.
- Lakeland Financial Corporation (Lake City Bank): Indiana-based community bank holding company operating Lake City Bank with strong commercial and agricultural lending orientation and full personal/business banking — closely mirrors SVB&T's community bank product set.
- First Financial Bank Corp: Indiana-headquartered community bank holding company offering consumer, business, mortgage, and wealth management services across multiple Indiana markets — directly comparable community-banking business model and geography.
- LCNB Corp: Small Ohio-based community bank holding company offering traditional deposit, lending, and trust services through community branches — closely analogous in scale, product scope, and community-banking orientation.
- German American Bancorp: Indiana-based community bank holding company with a multi-branch footprint, full suite of consumer/business banking, wealth management, and agricultural lending — directly comparable in geography and product mix to SVB&T, though larger in scale.
- Horizon Bancorp: Midwest community bank holding company with branches across Indiana and Michigan, offering consumer, business, mortgage, and wealth services — similar full-service community bank profile with overlapping Indiana footprint.
- Peoples Bancorp Inc: Small community-oriented bank holding company providing consumer, business, and mortgage banking across a regional footprint — comparable as a small-cap, multi-branch community bank.
- SB Financial Group: Small community bank holding company serving Ohio and Indiana markets with consumer, commercial, and mortgage banking — directly comparable in scale and community-banking focus.
Market position
Strengths2 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Svb&T Corp social profiles
Digital presenceSvb&T Corp compliance and trust
Trust signalCompliance2 records
Svb&T Corp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Svb&T Corp leadership team
Management profileNumber of profiles
Profiles15 records
Svb&T Corp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Svb&T Corp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Svb&T Corp
What does Svb&T Corp do?
SVB&T Corp operates as a public bank holding company whose primary subsidiary, Springs Valley Bank & Trust Company, is a community bank serving Southwest Indiana. It offers personal and business deposit accounts, consumer and commercial loans (including agricultural lending), residential mortgages, digital banking, and wealth management through its Financial Advisory Group managing over $1 billion in assets under management.
Is Svb&T Corp a public or private company?
Svb&T Corp is a public company. It is classified as public and is currently operating.
When was Svb&T Corp founded?
Svb&T Corp was founded in 1902. It employs 101 to 250 people.
Where is Svb&T Corp based?
Svb&T Corp is headquartered in Jasper, United States, in the North America region.
How does Svb&T Corp make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are noninterest Income, financial Advisory Services and mortgage Banking.
Who are Svb&T Corp's main competitors?
Old National Bancorp is listed as a broad incumbent. Hauppauge Federal Credit Union is listed as an others. Direct peers are Stock Yards Bank & Trust, Lakeland Financial Corporation (Lake City Bank), First Financial Bank Corp, LCNB Corp, German American Bancorp, Horizon Bancorp, Peoples Bancorp Inc and SB Financial Group.
Does Svb&T Corp have an API?
No public API is recorded for Svb&T Corp.