Bank of Springfield
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Data as of · sourced from FFIEC call reports. How we update
Bank of Springfield is an FDIC-insured commercial bank headquartered in Springfield, IL, established in 1965 (FDIC certificate 19506), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.00B, up 11.0% from Q2 2025, the 39th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19506
- Headquarters
- Springfield, IL
- Established
- 1965
- Total assets, Q2 2026
- $2.00B
- Assets vs Q2 2025
- +11.0%
- CET1 ratio, Q2 2026
- 10.72%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 071108559
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Springfield call report
- Holding company
- SPRING BANCORP, INC.
- Asset rank in state
- 39th of 319 in Illinois
Bank of Springfield operates with a thinner capital cushion than most banks of its size. It reported $2.0 billion in assets at June 30, 2026, up 11.0% from a year earlier. It holds common equity equal to 10.72% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 12.8% of the capital and reserves that would absorb them, 3.6 times the median of 3.6% for banks its size. It has also been growing, with assets up 11.0% in a year.
Earnings jumped: net income for the quarter was $6.7 million, 34% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.43% of loans, down from 1.75% a year earlier. One more trend to watch: the non-owner-occupied commercial real estate book ($264 million) is worsening: 0.92% of it is past due or on nonaccrual, up from 0.09% a year earlier.
As of June 30, 2026, Bank of Springfield reported a CET1 capital ratio of 10.72%, a return on assets of 1.36%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 12.77%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Bank of Springfield is the 39th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $2.00B, loans rose 5.0% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 21.6% of total loans, ahead of commercial and industrial loans at 18.6%. Its 17 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its Springfield 4 offices book 69% of its branch deposits. On its Q2 2026 call report, Bank of Springfield meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3400 Wabash Ave, Springfield, IL 62711
- County
- Sangamon
- Metro Area
- Springfield, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 29, 1965
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 352
- Domestic deposits
- $1.71B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- -$58K
- Average total assets
- $1.96B
- Average total loans
- $1.71B
- Average interest-bearing deposits
- $1.46B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 29, 1965
- FDIC Cert
- 19506
- Fed RSSD
- 248240
- SEC CIK
- 825042 → filed by SPRING BANCORP, INC.
- Website
- www.bankwithbos.com →
- Parent Holding Company
- SPRING BANCORP, INC. (RSSD 1247361)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Springfield's total assets ran between $1.53B (Q3 2023) and $2.00B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.00B total assets against $1.80B; $1.82B total liabilities against $1.64B.
$1.70B net loans and leases against $1.50B; $1.71B total deposits against $1.54B.
$99.0M securities against $88.2M; $117.0M cash and balances due against $135.8M.
$28.9M total interest income against $25.7M; $8.5M total interest expense against $8.5M.
$20.4M net interest income against $17.2M.
$6.5M total noninterest income against $5.6M; $17.1M total noninterest expense against $15.5M.
$1.0M provision for credit losses against $750K.
$6.7M net income against $5.0M.
1.36% return on assets against 1.12%; 4.30% net interest margin against 4.05%.
10.72% CET1 capital ratio against 10.72%; 9.22% tier 1 leverage ratio against 8.90%.
Inside the full Bank of Springfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Springfield rankings
Its closest position to the top of a national ranking is 427 of 3,640, for Texas Ratio; its furthest is 2,014 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q3 2024) to 1.36% (Q2 2026) and its net interest margin ran from 3.84% (Q3 2024) to 4.30% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.72% | 1.36% | 1.43% | 12.77% | 4.30% |
| Q1 2026 | 10.67% | 1.26% | 1.57% | 14.27% | 4.12% |
| Q4 2025 | 10.92% | 1.31% | 1.56% | 13.80% | 4.17% |
| Q3 2025 | 10.88% | 1.25% | 1.67% | 15.17% | 4.10% |
| Q2 2025 | 10.72% | 1.12% | 1.75% | 16.26% | 4.05% |
| Q1 2025 | 10.33% | 1.15% | 1.60% | 14.80% | 4.04% |
| Q4 2024 | 10.22% | 1.10% | 1.57% | 14.60% | 3.92% |
| Q3 2024 | 10.30% | 1.07% | 1.49% | 14.01% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Springfield (main office) | Springfield , IL | 62711 | $768.8M |
| Madison Street Branch | Springfield , IL | 62702 | $206.5M |
| Stevenson Drive Branch | Springfield , IL | 62703 | $141.7M |
| Shiloh Branch | Shiloh , IL | 62269 | $93.5M |
| Glen Carbon Branch | Glen Carbon , IL | 62034 | $65.0M |
| 2nd and Madison Branch | Springfield , IL | 62702 | $64.7M |
| 417 West North Street Branch | Staunton , IL | 62088 | $49.5M |
| Bos Quicy 48th Street Facility | Quincy , IL | 62305 | $42.4M |
| 7730 Carondelet Banking Center Branch | Saint Louis , MO | 63105 | $41.3M |
| Swansea Branch | Swansea , IL | 62226 | $40.7M |
| Champaign Facility Branch | Champaign , IL | 61821 | $39.9M |
| Jacksonville Branch | Jacksonville , IL | 62650 | $37.1M |
| Jacksonville Branch | Jacksonville , IL | 62650 | $34.0M |
| Quincy Branch | Quincy , IL | 62301 | $33.3M |
| Chatham Il Branch | Chatham , IL | 62629 | $28.0M |
| Bloomington Normal Facility Branch | Normal , IL | 61761 | $10.8M |
| O'Fallon Mo Facility Branch | O Fallon , MO | 63366 | $8.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 2, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 2014 | Structure Change | Acquired First Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 53 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,201 applications, 957 loans originated, $249.3M originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 36 loans, $14.3M approved, $398K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Springfield
What are Bank of Springfield's total assets?
As of the Q2 2026 filing, Bank of Springfield reported total assets of $2.00 billion in its FFIEC call report.
Where is Bank of Springfield headquartered?
It is headquartered in Springfield, IL, United States.
When was Bank of Springfield founded?
It was established in 1965, per the FDIC institution directory.
Is Bank of Springfield FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Springfield?
Bank of Springfield's primary federal regulator is the FDIC.
What is Bank of Springfield's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Springfield operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Springfield's Texas Ratio?
Its Texas Ratio is 12.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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