Springfield, KY · Cert 8772 · Springfield Bankshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.99% | 1.01% | 1.11% | 1.01% | +2 bps | |
| Return on Equity | 8.89% | 8.74% | 8.91% | 9.51% | 8.71% | -18 bps | |
| Net Interest Margin | 2.73% | 2.75% | 2.72% | 2.83% | 2.86% | +13 bps | |
| Efficiency Ratio | 53.97% | 53.74% | 53.70% | 50.32% | 49.93% | -404 bps | |
| Non-Interest Burden | 1.32% | 1.33% | 1.32% | 1.25% | 1.27% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 6.62% | 8.58% | 7.76% | 8.75% | +278 bps | |
| Loan Growth (YoY) | 11.40% | 11.10% | 10.45% | 9.69% | 9.57% | -183 bps | |
| Deposit Growth (YoY) | 8.11% | 8.91% | 9.92% | 10.86% | 10.83% | +272 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.11% | 0.43% | 0.56% | +43 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.07% | 1.10% | 1.15% | +7 bps | |
| Allowance Coverage of NPLs | 8.3x | 7.6x | 9.4x | 2.6x | 2.0x | -6.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.47% | 14.54% | 14.22% | 14.17% | 14.04% | -43 bps | |
| Total Risk-Based Capital | 14.47% | 14.54% | 14.22% | 14.17% | 14.04% | -43 bps | |
| Equity / Assets | 11.44% | 11.77% | 11.65% | 11.64% | 11.56% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.15% | 88.72% | 88.05% | 87.33% | 87.15% | -100 bps | |
| Liquid Assets / Assets | 1.03% | 1.55% | 2.13% | 2.27% | 2.87% | +185 bps | |
| CRE / Total Capital | n/a | 126.66% | 126.91% | 134.78% | n/a | n/a | |