Bank of Springfield: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Springfield of Springfield, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.36% | 1.44% | -0.08% | 57th above |
| ROAE | 15.04% | 12.50% | +2.54% | 71st above |
| Net Interest Margin | 4.30% | 3.84% | +0.46% | 82nd top |
| Efficiency Ratio | 62.74% | 58.87% | +3.87% | 37th below |
| PPNR / Avg Assets | 2.01% | 1.78% | +0.23% | 69th above |
| Yield on Earning Assets | 6.08% | 5.71% | +0.37% | 79th top |
| Cost of Funds | 1.92% | 2.03% | -0.11% | 56th above |
| Net Interest Spread | 3.90% | 3.18% | +0.72% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.46% | 0.96% | +0.50% | 19th bottom |
| NPA / Total Assets | 1.26% | 0.75% | +0.51% | 17th bottom |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 92nd top |
| ACL / Total Loans | 1.02% | 1.25% | -0.23% | 33rd below |
| ACL / NPLs (Coverage) | 70.05% | 699.54% | -629.49% | 16th bottom |
| Texas Ratio | 13.61% | 7.15% | +6.46% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.72% | 17.42% | -6.70% | 5th bottom |
| Tier 1 Ratio | 10.72% | 17.45% | -6.73% | 5th bottom |
| Total Capital Ratio | 11.81% | 18.51% | -6.70% | 7th bottom |
| Leverage Ratio | 9.22% | 11.60% | -2.38% | 17th bottom |
| Equity / Assets | 9.02% | 11.33% | -2.31% | 22nd bottom |
| TCE / Tangible Assets | 8.80% | 10.65% | -1.85% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.88% | 86.34% | +14.54% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 85.55% | +2.15% | 44th below |
| Uninsured Deposit Ratio | 23.59% | 32.72% | -9.13% | 75th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.10% | 5.45% | -0.35% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.04% | 10.45% | +0.59% | 79th top |
| Loan Growth (Y/Y) | 13.45% | 7.99% | +5.46% | 82nd top |
| Deposit Growth (Y/Y) | 10.46% | 7.98% | +2.48% | 76th top |
See Bank of Springfield's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Springfield, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Springfield profile, how to read a UBPR, or how this data updates.