Springfield State Bank
Springfield, KY · Cert 8772 · Peer group: banks under $1B in assets in KY (n=69) · Springfield Bankshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$486.9MAssets
$338.5MLoans
$388.4MDeposits
$56.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of banks under $1B in assets in KY (rank 10 of 69).
- Widest gap: net interest margin trails 94% of banks under $1B in assets in KY (rank 65 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 44 of 69
Net Interest Margin
2.86%
Rank 65 of 69
Efficiency Ratio
49.93%
Rank 10 of 69
Equity / Assets
11.56%
Rank 22 of 69
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 87% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.83% | 1.18% | 1.44% | Beats 36% | 44 / 69 | | |
| Return on Equity | 8.63% | 7.64% | 11.70% | 15.70% | Beats 33% | 46 / 69 | | |
| Net Interest Margin | 2.86% | 3.45% | 3.75% | 3.96% | Beats 6% | 65 / 69 | | |
| Efficiency Ratio | 49.93% | 55.32% | 62.99% | 70.80% | Beats 87% | 10 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.18% | 0.52% | 1.14% | Beats 48% | 37 / 69 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 67% | 24 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 14.04% | 11.33% | 13.58% | 16.27% | Beats 52% | 33 / 69 | | |
| Total Risk-Based Capital Ratio | 14.04% | 11.55% | 14.43% | 17.27% | Beats 46% | 37 / 69 | | |
| Equity / Assets | 11.56% | 8.31% | 9.91% | 12.53% | Beats 68% | 22 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.15% | 71.40% | 81.07% | 88.03% | 71st pctl | 20 / 69 | | |
| Loans / Assets | 69.51% | 61.10% | 68.66% | 76.68% | 54th pctl | 32 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |