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Bank of Springfield

Springfield, IL · Cert 19506 · Spring Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Springfield

Springfield, IL · Cert 19506 · Spring Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$2.0BAssets
$1.7BLoans
$1.7BDeposits
$180.5MEquity
Loan mix
78%RE $1.2B22%C&I $0.3B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.5B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Springfield, IL · 2026 SOD (annual) · 12.3% share · #3 of 26 inst. · $1.2B of $9.8B

12.8% Sangamon
2.3% St. Clair
3.3% Adams
7.0% Morgan

Executive Summary

  • Earnings: ROA of 1.30%, up 17 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 1.43% of loans (-32 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.22%, up 32 bps from a year ago.
  • Funding: loans stand at 100.88% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+21 bps YoY

Efficiency Ratio (YTD, annualized)

63.25%-409 bps YoY

Tier 1 Leverage Ratio

9.22%+32 bps YoY

NIM

5.39%Q2 ’245.62%Q2 ’255.73%Q2 ’26+4%+5%

Non-interest income vs. expense

3.35%Q2 ’243.42%Q2 ’253.37%Q2 ’26+2%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.07%1.13%1.13%1.17%1.21%1.25%1.30%+17 bps
Return on Equity12.32%12.45%12.83%12.81%13.31%13.70%13.99%14.51%+170 bps
Net Interest Margin3.54%3.55%3.87%3.80%3.74%3.75%3.95%4.01%+21 bps
Efficiency Ratio68.25%67.48%66.95%67.34%66.66%65.33%63.57%63.25%-409 bps
Non-Interest Burden2.04%2.01%2.16%2.15%2.09%2.03%2.06%2.08%-7 bps
Growth
Asset Growth (YoY)12.77%8.84%10.21%9.65%8.48%11.48%11.33%11.04%+139 bps
Loan Growth (YoY)11.22%11.14%12.67%10.78%8.53%5.97%8.76%13.45%+266 bps
Deposit Growth (YoY)13.76%11.87%9.83%9.60%9.05%11.70%14.81%10.46%+86 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.57%1.60%1.75%1.67%1.56%1.57%1.43%-32 bps
Net Charge-Offs / Loans0.00%0.02%0.13%0.06%0.10%0.15%0.00%-0.01%-7 bps
Allowance / Loans0.98%1.01%1.01%1.05%1.03%1.00%1.01%1.02%-3 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.6x0.6x0.6x0.6x0.7x+0.1x
Capital
Tier 1 Leverage Ratio8.58%8.62%9.01%8.90%8.85%8.95%9.17%9.22%+32 bps
Total Risk-Based Capital11.23%11.19%11.30%11.76%11.89%11.87%11.73%11.81%+5 bps
Equity / Assets8.52%8.79%8.86%8.77%8.80%8.92%8.97%9.02%+25 bps
Liquidity & Funding
Loans / Deposits95.72%98.90%102.89%98.22%95.27%93.83%97.47%100.88%+266 bps
Liquid Assets / Assets6.55%4.35%4.54%6.78%8.73%9.54%7.02%5.51%-127 bps
CRE / Total Capitaln/an/an/an/a366%345%362%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Springfield

Springfield, IL · Cert 19506 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Spring Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$2.0BAssets
$1.7BLoans
$1.7BDeposits
$180.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets operating regionally (rank 33 of 176).
  • Widest gap: tier 1 capital ratio trails 81% of banks $1B-$10B in assets operating regionally (rank 142 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.27%

Rank 85 of 176

Net Interest Margin

4.01%

Rank 33 of 176

Efficiency Ratio

63.77%

Rank 108 of 176

Equity / Assets

9.02%

Rank 139 of 176

Non-interest income vs. expense

$25.4M$66.3MINCOMEEXPENSE
Unfavorable gap of $40.8M · efficiency ratio beats 39% of banks $1B-$10B in assets operating regionally
Bank 63.77%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%0.93%1.26%1.54%Beats 52%85 / 176
Return on Equity14.08%9.26%11.89%14.46%Beats 71%51 / 176
Net Interest Margin4.01%3.25%3.59%3.93%Beats 81%33 / 176
Efficiency Ratio63.77%52.79%59.55%67.66%Beats 39%108 / 176
Asset Quality
Nonperforming Loans / Loans1.43%0.30%0.64%1.32%Beats 20%142 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 77%42 / 176
Capital
Tier 1 Capital Ratio10.72%11.15%12.72%14.15%Beats 19%142 / 176
Total Risk-Based Capital Ratio11.81%11.81%13.63%15.33%Beats 25%132 / 176
Equity / Assets9.02%9.16%10.35%11.80%Beats 21%139 / 176
Liquidity & Funding
Loans / Deposits100.88%80.94%89.73%97.21%85th pctl26 / 176
Loans / Assets86.00%69.25%75.12%80.82%95th pctl8 / 176
Brokered Deposits / Depositsn/aNot reported for this institution