Springfield, KY · Cert 8772 · Springfield Bankshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 1.07% | 0.91% | 1.07% | 0.99% | 1.09% | 1.11% | 0.92% | -15 bps | |
| Return on Equity | 5.98% | 9.60% | 8.32% | 9.39% | 8.50% | 9.32% | 9.51% | 7.93% | -146 bps | |
| Net Interest Margin | 2.49% | 2.64% | 2.68% | 2.81% | 2.86% | 2.91% | 2.83% | 2.95% | +13 bps | |
| Efficiency Ratio | 67.42% | 51.29% | 54.21% | 53.74% | 53.31% | 53.59% | 50.32% | 49.55% | -419 bps | |
| Non-Interest Burden | 1.57% | 0.89% | 1.30% | 1.36% | 1.37% | 1.41% | 1.25% | 1.31% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.62% | 6.09% | 6.55% | 5.97% | 6.62% | 8.58% | 7.76% | 8.75% | +278 bps | |
| Loan Growth (YoY) | 11.62% | 12.08% | 12.85% | 11.40% | 11.10% | 10.45% | 9.69% | 9.57% | -183 bps | |
| Deposit Growth (YoY) | 6.50% | 9.84% | 7.51% | 8.11% | 8.91% | 9.92% | 10.86% | 10.83% | +272 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.06% | 0.07% | 0.13% | 0.14% | 0.11% | 0.43% | 0.56% | +43 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.01% | 0.01% | 0.01% | 0.02% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.06% | 1.03% | 1.07% | 1.08% | 1.09% | 1.07% | 1.10% | 1.15% | +7 bps | |
| Allowance Coverage of NPLs | 11.4x | 16.0x | 15.4x | 8.3x | 7.6x | 9.4x | 2.6x | 2.0x | -6.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.70% | 14.57% | 14.56% | 14.47% | 14.54% | 14.22% | 14.17% | 14.04% | -43 bps | |
| Total Risk-Based Capital | 14.70% | 14.57% | 14.56% | 14.47% | 14.54% | 14.22% | 14.17% | 14.04% | -43 bps | |
| Equity / Assets | 11.55% | 10.69% | 11.25% | 11.44% | 11.77% | 11.65% | 11.64% | 11.56% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.97% | 87.63% | 88.26% | 88.15% | 88.72% | 88.05% | 87.33% | 87.15% | -100 bps | |
| Liquid Assets / Assets | 1.32% | 1.14% | 1.10% | 1.03% | 1.55% | 2.13% | 2.27% | 2.87% | +185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 126.66% | 126.91% | 134.78% | n/a | n/a | |