SPRINGFIELD STATE BANK

SPRINGFIELD, KY | Small | Est. Jan. 1, 1911, midnight | FDIC #8772 | RSSD #197142 | FED
Latest Report: 2025-12-31

SPRINGFIELD STATE BANK is asn small FDIC-insured commercial bank headquartered in SPRINGFIELD, KY, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $477M and total deposits of $376M. Profitability stands at 1.09% ROA and 9.32% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 11.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.64%. FDIC Certificate #8772.

Assets

$477M

Deposits

$376M

Loans

$331M

Equity

$56M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 9.32%
Net Interest Margin (NIM) 3.15%
Yield on Assets 5.40%
Cost of Funds 2.47%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.64%
NPA Ratio 0.08%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.65%
Tier 1 Capital 11.65%
Total Capital Ratio 12.23%
Leverage Ratio 14.22%
Loan-to-Deposit 88.05%

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