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
Unfavorable gap of $40.8M · efficiency ratio beats 39% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.93% | 1.26% | 1.54% | Beats 52% | 85 / 176 | | |
| Return on Equity | 14.08% | 9.26% | 11.89% | 14.46% | Beats 71% | 51 / 176 | | |
| Net Interest Margin | 4.01% | 3.25% | 3.59% | 3.93% | Beats 81% | 33 / 176 | | |
| Efficiency Ratio | 63.77% | 52.79% | 59.55% | 67.66% | Beats 39% | 108 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.43% | 0.30% | 0.64% | 1.32% | Beats 20% | 142 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 77% | 42 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.72% | 11.15% | 12.72% | 14.15% | Beats 19% | 142 / 176 | | |
| Total Risk-Based Capital Ratio | 11.81% | 11.81% | 13.63% | 15.33% | Beats 25% | 132 / 176 | | |
| Equity / Assets | 9.02% | 9.16% | 10.35% | 11.80% | Beats 21% | 139 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.88% | 80.94% | 89.73% | 97.21% | 85th pctl | 26 / 176 | | |
| Loans / Assets | 86.00% | 69.25% | 75.12% | 80.82% | 95th pctl | 8 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |