Springfield, IL · Cert 19506 · Spring Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 12.3% share · #3 of 26 inst. · $1.2B of $9.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.07% | 1.13% | 1.13% | 1.17% | 1.21% | 1.25% | 1.30% | +17 bps | |
| Return on Equity | 12.32% | 12.45% | 12.83% | 12.81% | 13.31% | 13.70% | 13.99% | 14.51% | +170 bps | |
| Net Interest Margin | 3.54% | 3.55% | 3.87% | 3.80% | 3.74% | 3.75% | 3.95% | 4.01% | +21 bps | |
| Efficiency Ratio | 68.25% | 67.48% | 66.95% | 67.34% | 66.66% | 65.33% | 63.57% | 63.25% | -409 bps | |
| Non-Interest Burden | 2.04% | 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 / Loans | 1.49% | 1.57% | 1.60% | 1.75% | 1.67% | 1.56% | 1.57% | 1.43% | -32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.13% | 0.06% | 0.10% | 0.15% | 0.00% | -0.01% | -7 bps | |
| Allowance / Loans | 0.98% | 1.01% | 1.01% | 1.05% | 1.03% | 1.00% | 1.01% | 1.02% | -3 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.58% | 8.62% | 9.01% | 8.90% | 8.85% | 8.95% | 9.17% | 9.22% | +32 bps | |
| Total Risk-Based Capital | 11.23% | 11.19% | 11.30% | 11.76% | 11.89% | 11.87% | 11.73% | 11.81% | +5 bps | |
| Equity / Assets | 8.52% | 8.79% | 8.86% | 8.77% | 8.80% | 8.92% | 8.97% | 9.02% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.72% | 98.90% | 102.89% | 98.22% | 95.27% | 93.83% | 97.47% | 100.88% | +266 bps | |
| Liquid Assets / Assets | 6.55% | 4.35% | 4.54% | 6.78% | 8.73% | 9.54% | 7.02% | 5.51% | -127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 366% | 345% | 362% | n/a | n/a | |