Springs Valley Bank Parent SVB&T Reports $2M Q4 Profit, Declares Dividend

SVB&T Corporation, the Jasper-based parent of Springs Valley Bank & Trust Company, reported unaudited fourth-quarter 2025 net earnings of $2.00 million, or $1.82 per share, and announced that its board declared a quarterly dividend. The company distributed the results in a press release dated February 12, 2026.

The $1.82 EPS represented a 52.94% increase over the same prior year period on a per-share basis, the release said. Fourth-quarter performance translated to a return on average assets of 1.24%, compared with a 0.83% ROAA in the same prior year period.

For the twelve months ended December 31, 2025, SVB&T reported unaudited year-to-date earnings of $8.82 million, or $8.02 EPS, a 43.99% increase on a per-share basis from the prior year. The company reported a YTD ROAA of 1.38%, up from 1.00% in the comparable prior period.

The release detailed changes in noninterest revenue and expenses. Noninterest income "decreased approximately $77,000 to $2.54 million from $2.62 million." The company explained, "The slightly lower income can be attributed to reduced earnings, compared to the prior year fourth quarter, from sold mortgages and servicing fees on sold loans due to a mortgage servicing asset fair value adjustment in the fourth quarter of 2025." SVB&T also said noninterest expense "decreased $401,000 to $5.19 million from $5.59 million, attributable to decreases in general", the republished excerpt truncates at that point and does not provide the remainder of the explanatory clause.

The Board of Directors declared a quarterly dividend of $0.28 per share of the Corporation’s common stock. "The quarterly dividend is payable on or about April 15, 2026, to shareholders of record as of the close of business on March 16, 2026," the company said. The dividend was described as "a 21.74% annualized increase over the total dividend declared for the 2025 fiscal year."

The company reiterated a strategic emphasis on fee and noninterest income to reduce lending-margin dependence, noting that "noninterest income generation continues to be a strategic focus of SVB&T's by growing the Financial Advisory Group, increasing sold loan income, expanding electronic banking services, and other avenues, to continue to reduce margin dependence." The corporate release also includes the fragment "higher unfunded commitment balances" in reference to fourth-quarter items; republished excerpts truncate the surrounding sentence and do not provide full context.

SVB&T distributed its fourth-quarter and annual 2025 results via a Jasper press release and through newswire republishers on February 12, 2026. The full fourth-quarter report and supplemental tables are available on SVB&T’s investor relations page for readers and shareholders seeking the complete disclosures and the missing explanatory text.