Bank Safety Analysis
Is Bank of Springfield Safe?
Bank of Springfield passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
The largest change between Q1 2026 and Q2 2026 was in net interest margin, which rose 0.18 percentage points to 4.30%. On CET1 ratio, Bank of Springfield is 18th from the bottom among 198 Illinois banks, 10.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank of Springfield sits 2.76 points lower, at 10.72% (Q2 2026). From Q3 2023 to Q2 2026, Bank of Springfield's CET1 ratio ranged between 10.14% (Q4 2023) and 10.92% (Q4 2025) and its Texas ratio ranged between 13.61% (Q2 2026) and 20.26% (Q3 2023). Compared with Q2 2025, Bank of Springfield's CET1 ratio from 10.72% to 10.72%, noncurrent loans to total loans from 1.72% to 1.46%, Texas ratio from 16.26% to 13.61%, return on assets from 1.12% to 1.36% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (931 banks) · Industry averages as of Q2 2026.
CET1 of 10.72% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.22% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.46% are within industry-normal range.
Texas Ratio of 13.6% is well below the 100% historical failure threshold.
Efficiency ratio of 62.7% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 10.72% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 13.61% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.46% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 23.59% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 100.88% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 271.49% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.01% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 10.72% |
| Q1 2026 | 10.67% |
| Q4 2025 | 10.92% |
| Q3 2025 | 10.88% |
| Q2 2025 | 10.72% |
| Q1 2025 | 10.33% |
| Q4 2024 | 10.22% |
| Q3 2024 | 10.30% |
| Q2 2024 | 10.23% |
| Q1 2024 | 10.30% |
| Q4 2023 | 10.14% |
| Q3 2023 | 10.27% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 13.61% |
| Q1 2026 | 15.15% |
| Q4 2025 | 14.12% |
| Q3 2025 | 15.17% |
| Q2 2025 | 16.26% |
| Q1 2025 | 14.80% |
| Q4 2024 | 17.14% |
| Q3 2024 | 16.63% |
| Q2 2024 | 17.47% |
| Q1 2024 | 17.09% |
| Q4 2023 | 18.76% |
| Q3 2023 | 20.26% |
Bank of Springfield by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 10.72% | 1.46% | 13.61% | 1.36% |
| Mar 31, 2026 | 10.67% | 1.61% | 15.15% | 1.26% |
| Dec 31, 2025 | 10.92% | 1.57% | 14.12% | 1.31% |
| Sep 30, 2025 | 10.88% | 1.67% | 15.17% | 1.25% |
| Jun 30, 2025 | 10.72% | 1.72% | 16.26% | 1.12% |
| Mar 31, 2025 | 10.33% | 1.48% | 14.80% | 1.15% |
| Dec 31, 2024 | 10.22% | 1.83% | 17.14% | 1.10% |
| Sep 30, 2024 | 10.30% | 1.72% | 16.63% | 1.07% |
| Jun 30, 2024 | 10.23% | 1.79% | 17.47% | 1.06% |
| Mar 31, 2024 | 10.30% | 1.81% | 17.09% | 1.01% |
| Dec 31, 2023 | 10.14% | 1.96% | 18.76% | 1.00% |
| Sep 30, 2023 | 10.27% | 2.16% | 20.26% | 0.93% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bank of Springfield FDIC insured?
Yes. Bank of Springfield is an FDIC-insured commercial bank (FDIC Certificate #19506). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Bank of Springfield well capitalized?
Yes. Bank of Springfield reports a CET1 Ratio of 10.72%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Bank of Springfield's nonperforming loan ratio?
As of the most recent call report, Bank of Springfield's nonperforming loan ratio is 1.46%. Nonperforming loans at 1.46% are within industry-normal range.
What is Bank of Springfield's Texas Ratio?
Bank of Springfield's Texas Ratio is 13.61%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 19506) · FFIEC NIC profile (RSSD 248240)
Explore: Full Bank of Springfield profile · Other banks in IL · Metric glossary · How the call report works