Bank Comparison
Bank of Springfield vs Blackhawk Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| CET1 Ratio | 10.67% | — |
| Tier 1 Capital Ratio | 10.67% | — |
| Total Capital Ratio | 11.73% | — |
| Tier 1 Leverage Ratio | 9.17% | 10.78% |
| Equity / Assets | 8.97% | 9.74% |
Profitability
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.33% |
| Return on Equity (ROE) | 13.99% | 13.65% |
| Net Interest Margin (NIM) | 4.12% | 3.34% |
| Yield on Earning Assets | 5.96% | 5.29% |
| Cost of Funds | 1.94% | 2.07% |
Asset quality
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| Texas Ratio | 15.15% | 2.86% |
| Non-Performing Loan Ratio | 1.61% | 0.26% |
| Non-Performing Asset Ratio | 1.39% | 0.28% |
| Net Charge-Off Ratio | 0.00% | 0.23% |
| ACL / Loans | 1.01% | 0.92% |
Balance sheet
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| Total Assets | $1,948M | $1,955M |
| Total Deposits | $1,681M | $1,572M |
| Total Loans | $1,638M | $1,235M |
| Total Equity | $174,704K | $190,498K |
| Net Income (quarter) | $6,025K | $6,426K |
Liquidity & funding
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 97.47% | 78.56% |
| Core Deposit Ratio | 95.85% | 90.09% |
| Uninsured Deposit Ratio | 23.70% | 32.78% |
Identity
| Metric | Bank of Springfield | Blackhawk Bank & Trust |
|---|---|---|
| Headquarters City | SPRINGFIELD | MILAN |
| Headquarters State | IL | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 19 |
| Employees (FTE) | 349 | 237 |
| Established | Oct. 29, 1965, midnight | June 28, 1961, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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