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Springfield State Bank

Springfield, KY · Cert 8772 · Springfield Bankshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$486.9MAssets
$338.5MLoans
$388.4MDeposits
$56.3MEquity
Loan mix
90%RE $290.6M6%C&I $20.7M4%Consumer $12.1MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $308.6M21%Noninterest $79.8MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.87%Q2 ’255.02%Q2 ’26+13%+5%

Non-interest income vs. expense

1.81%Q2 ’241.69%Q2 ’251.61%Q2 ’26-8%-4%

Executive Summary

  • Earnings: ROA of 0.92%, down 15 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.56% of loans (+43 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.04%, down 43 bps from a year ago.
  • Funding: loans stand at 87.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+13 bps YoY

Efficiency Ratio (quarter, annualized)

49.55%-419 bps YoY

Tier 1 Leverage Ratio

14.04%-43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%0.99%1.09%1.11%0.92%-15 bps
Return on Equity9.39%8.50%9.32%9.51%7.93%-146 bps
Net Interest Margin2.81%2.86%2.91%2.83%2.95%+13 bps
Efficiency Ratio53.74%53.31%53.59%50.32%49.55%-419 bps
Non-Interest Burden1.36%1.37%1.41%1.25%1.31%-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 / Loans0.13%0.14%0.11%0.43%0.56%+43 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.00%0.01%0 bps
Allowance / Loans1.08%1.09%1.07%1.10%1.15%+7 bps
Allowance Coverage of NPLs8.3x7.6x9.4x2.6x2.0x-6.3x
Capital
Tier 1 Leverage Ratio14.47%14.54%14.22%14.17%14.04%-43 bps
Total Risk-Based Capital14.47%14.54%14.22%14.17%14.04%-43 bps
Equity / Assets11.44%11.77%11.65%11.64%11.56%+12 bps
Liquidity & Funding
Loans / Deposits88.15%88.72%88.05%87.33%87.15%-100 bps
Liquid Assets / Assets1.03%1.55%2.13%2.27%2.87%+185 bps
CRE / Total Capitaln/a126.66%126.91%134.78%n/an/a