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Springfield State Bank

$100M-$1B Specialty: Other KY FDIC cert 8772

Springfield, KY

3 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Springfield State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 14.97% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 46.2% in tier
  • - ROA 0.16% below tier average
  • - Net Interest Margin 0.97% below tier average
Get updates when Springfield State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $477.9M
+7.8% YoY +0.3% QoQ
+$91.9M $386.1M
+0.5% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
70%
Total Loans ? $330.6M
+9.7% YoY +0.8% QoQ
+$74.9M $255.7M
+1.1% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
72%
Total Deposits ? $382.8M
+10.9% YoY +1.7% QoQ
+$54.8M $328.0M
+0.1% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
67%
Return on Assets ? 1.11%
+21.3% YoY +9.3% QoQ
-0.16% 1.27%
+12.9% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
44%
Net Interest Margin ? 2.96%
+3.9% YoY -0.5% QoQ
-0.97% 3.93%
+6.0% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
Bottom 10.2% in tier
Efficiency Ratio ? 50.32%
-7.2% YoY -6.3% QoQ
-14.97% 65.29%
-4.5% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
83%
Delinquency Rate ? 0.43%
+520.6% YoY +278.8% QoQ
-0.45% 0.89%
+18.8% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
49%
Loan-to-Deposit Ratio ? 86.37%
-1.1% YoY -0.9% QoQ
+9.73% 76.64%
+0.8% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
32%
Non-Interest-Bearing Deposit Share ? 21.57%
-2.6% YoY +2.5% QoQ
-0.45% 22.02%
-1.0% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
52%
Nonperforming Asset Ratio ? 0.30%
+531.5% YoY +280.9% QoQ
-0.34% 0.64%
+19.7% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 14.17%
-2.7% YoY -0.3% QoQ
-1.66% 15.83%
+1.5% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.09%
+0.6% YoY -72.2% QoQ
-0.19% 0.28%
+9.3% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
44%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#606 of 1308 • Bottom 46.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

442
Efficiency Ratio
profitability
Value: 50.32%
Peer Median: 65.29%
#442 of 2664 Top 16.6% in $100M-$1B

Top Weaknesses (1 metrics)

2392
Net Interest Margin
profitability
Value: 2.96%
Peer Median: 3.93%
#2392 of 2664 Bottom 10.2% in $100M-$1B
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