BlastPoint's Banking Scorecard
Springfield State Bank
Springfield, KY
3 branches across KY
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +10.8% year over year ($388.4M on the books).
- Delinquency rate 0.57%.
- Return on assets 1.01%.
- Efficiency ratio 49.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Springfield State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.55% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.96% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$486.9M
+8.7% YoY
+1.9% QoQ
|
+$100.4M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$334.6M
+9.5% YoY
+1.2% QoQ
|
+$76.2M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$388.4M
+10.8% YoY
+1.5% QoQ
|
+$61.6M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.01%
+2.2% YoY
-8.6% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.03%
+3.7% YoY
+2.4% QoQ
|
-0.96% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio ? |
49.93%
-7.5% YoY
-0.8% QoQ
|
-14.55% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.57%
+333.0% YoY
+31.2% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
86.15%
-1.2% YoY
-0.3% QoQ
|
+8.20% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.54%
-7.2% YoY
-4.7% QoQ
|
-1.49% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.39%
+336.0% YoY
+30.3% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.04%
-3.0% YoY
-0.9% QoQ
|
-1.86% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.16%
-4.3% YoY
+83.5% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
37% |
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.5%
-1.6pp YoY -1.0pp QoQ |
-1.6pp | 22.1% | 23.5% | 22.2% | 47% |
| Brokered Deposits |
2.1%
-1.1pp YoY 0.0pp QoQ |
-5.8pp | 7.9% | 5.4% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
-0.1pp YoY -0.1pp QoQ |
-5.4pp | 11.6% | 8.6% | 12.5% | 27% |
| CRE |
26.9%
-0.3pp YoY -0.5pp QoQ |
-12.7pp | 39.5% | 37.1% | 41.4% | 29% |
| 1-4 Family |
52.7%
+0.7pp YoY +1.0pp QoQ |
+20.0pp | 32.6% | 41.6% | 31.3% | 84% |
| Consumer |
3.5%
-0.5pp YoY -0.1pp QoQ |
-0.6pp | 4.1% | 4.8% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
14.0%
-0.4pp YoY -0.1pp QoQ |
+1.9pp | 12.2% | 14.0% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
38
-3 (-7.3%) YoY -2 (-5.0%) QoQ |
-21 | 58 | 105 | 482 | 39% |
| Assets per Employee ($) |
$12.8M
+17.3% YoY +7.2% QoQ |
+$5.3M | $7.5M | $6.3M | $8.8M | 94% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 26% |
| Nonaccrual |
0.5%
+0.5pp YoY +0.2pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 55% |
| Allowance Coverage |
2.04x
-75.5% YoY -20.1% QoQ |
-22.11x | 24.15x | 7.45x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.7%
-0.2pp YoY -0.8pp QoQ |
-3.5pp | 12.2% | 13.3% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 79% |
| Net Income ($, YTD) |
$2.4M
+10.8% YoY — QoQ |
-$125K | $2.6M | $5.1M | $40.4M | 60% |
Get Full Access to Springfield State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.