BlastPoint's Banking Scorecard
Bank of Springfield
Designations: ✓ Community bank
Springfield, IL
18 branches across IL · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +10.5% year over year ($1.7B on the books).
- Delinquency rate 1.45%.
- Return on assets 1.30%.
- Efficiency ratio 63.25% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.85% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Springfield has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency Ratio 3.53% above tier average
- - Delinquency Rate 0.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+11.0% YoY
+2.7% QoQ
|
-$792.8M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$1.7B
+13.5% YoY
+5.0% QoQ
|
-$260.5M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$1.7B
+10.5% YoY
+1.4% QoQ
|
-$613.6M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.30%
+15.4% YoY
+4.1% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.24%
+4.6% YoY
+2.9% QoQ
|
+0.37% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
63.25%
-6.1% YoY
-0.5% QoQ
|
+3.53% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
1.45%
-18.2% YoY
-8.9% QoQ
|
+0.58% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
99.85%
+2.7% YoY
+3.5% QoQ
|
+14.81% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.26%
+1.7% YoY
+1.8% QoQ
|
-8.01% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.23%
-19.0% YoY
-9.5% QoQ
|
+0.56% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
10.72%
-0.1% YoY
+0.4% QoQ
|
-4.13% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.4% in tier |
| Non-Interest Income / Assets ? |
0.64%
+1.6% YoY
+100.2% QoQ
|
+0.11% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 12.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.3%
+0.2pp YoY +0.2pp QoQ |
-8.1pp | 21.4% | 20.1% | 22.2% | 20% |
| Brokered Deposits |
8.2%
+2.4pp YoY +0.6pp QoQ |
-1.2pp | 9.5% | 8.0% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.8%
-1.6pp YoY -1.8pp QoQ |
+4.8pp | 14.0% | 14.7% | 12.5% | 78% |
| CRE |
40.8%
+2.2pp YoY +1.8pp QoQ |
-9.2pp | 50.0% | 37.9% | 41.4% | 26% |
| 1-4 Family |
21.9%
-0.3pp YoY +0.1pp QoQ |
-4.6pp | 26.4% | 28.3% | 31.3% | 47% |
| Consumer |
0.3%
-0.2pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 5.4% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.7%
0.0pp YoY +0.1pp QoQ |
-4.9pp | 15.6% | 19.9% | 19.7% | 5% |
| Leverage Ratio |
9.2%
+0.3pp YoY 0.0pp QoQ |
-2.1pp | 11.3% | 12.2% | 12.6% | 16% |
| Total Capital Ratio |
11.8%
+0.1pp YoY +0.1pp QoQ |
-4.9pp | 16.7% | 20.9% | 20.8% | 7% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
352
+9 (+2.6%) YoY +3 (+0.9%) QoQ |
+38 | 313 | 228 | 482 | 73% |
| Assets per Employee ($) |
$5.7M
+8.2% YoY +1.8% QoQ |
-$4.8M | $10.5M | $8.3M | $8.8M | 9% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 10 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 69% |
| Nonaccrual |
1.4%
-0.4pp YoY -0.1pp QoQ |
+0.6pp | 0.8% | 1.1% | 1.0% | 83% |
| Allowance Coverage |
0.71x
+19.0% YoY +11.3% QoQ |
-18.00x | 18.71x | 5.62x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+1.7pp YoY +0.5pp QoQ |
+1.9pp | 12.6% | 10.5% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$12.7M
+28.4% YoY — QoQ |
-$6.5M | $19.2M | $11.7M | $40.4M | 51% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.