Springfield State Bank
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Data as of · sourced from FFIEC call reports. How we update
Springfield State Bank is an FDIC-insured commercial bank headquartered in Springfield, KY, established in 1911 (FDIC certificate 8772), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $486.9M, up 8.7% from Q2 2025, the 40th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8772
- Headquarters
- Springfield, KY
- Established
- 1911
- Total assets, Q2 2026
- $486.9M
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 14.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083902620
- Holding company
- SPRINGFIELD BANKSHARES, INC.
- Asset rank in state
- 40th of 120 in Kentucky
Problem loans are rising at Springfield State Bank. The Springfield, Kentucky bank had $487 million in assets at June 30, 2026, up 8.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.13% a year earlier. It keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 22% of Tier 1 capital, down from 29% a year earlier. Profitability lags: it returns 7.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Springfield State Bank reported a return on assets of 0.92%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 3.17%. The figures come from its call report filed with the FFIEC.
Springfield State Bank ranks as the 40th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $486.9M, loans rose 1.3% and deposits rose 1.5%. 1-4 family residential loans made up 52.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 10.9%. The FDIC Summary of Deposits lists 3 offices for it, in Springfield, KY and Willisburg, KY; its Springfield 2 offices book 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, Springfield State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 125 E Main St, Springfield, KY 40069
- County
- Washington
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $388.4M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $481.0M
- Average total loans
- $335.9M
- Average interest-bearing deposits
- $288.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8772
- Fed RSSD
- 197142
- SEC CIK
- 732719 → filed by SPRINGFIELD BANKSHARES, INC.
- Website
- www.springfieldstate.bank →
- Parent Holding Company
- SPRINGFIELD BANKSHARES, INC. (RSSD 1119365)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Springfield State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Springfield State Bank's total assets ranged from $396.4M (Q3 2023) to $486.9M (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
$486.9M total assets against $447.8M; $430.6M total liabilities against $396.5M.
$334.6M net loans and leases against $305.5M; $388.4M total deposits against $350.4M.
$113.4M securities against $115.5M; $17.8M cash and balances due against $5.9M.
$6.0M total interest income against $5.4M; $2.5M total interest expense against $2.3M.
$3.5M net interest income against $3.1M.
$359K total noninterest income against $361K; $1.9M total noninterest expense against $1.9M.
$230K provision for credit losses against $105K.
$1.1M net income against $1.2M.
0.92% return on assets against 1.06%; 3.01% net interest margin against 2.86%.
14.04% tier 1 leverage ratio against 14.47%.
Inside the full Springfield State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSpringfield State Bank rankings
Its closest position to the top of a national ranking is 715 of 3,606, for efficiency ratio; its furthest is 2,669 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.67% (Q3 2024) to 1.12% (Q1 2026) and its net interest margin ran from 2.53% (Q3 2024) to 3.01% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.04% | 0.92% | 0.56% | 3.17% | 3.01% |
| Q1 2026 | 14.17% | 1.12% | 0.43% | 2.42% | 2.91% |
| Q4 2025 | 14.22% | 1.09% | 0.11% | 0.64% | 3.01% |
| Q3 2025 | 14.54% | 0.99% | 0.14% | 0.79% | 2.91% |
| Q2 2025 | 14.47% | 1.06% | 0.13% | 0.74% | 2.86% |
| Q1 2025 | 14.56% | 0.91% | 0.07% | 0.40% | 2.71% |
| Q4 2024 | 14.57% | 1.07% | 0.06% | 0.39% | 2.70% |
| Q3 2024 | 14.70% | 0.67% | 0.09% | 0.50% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Springfield State Bank (main office) | Springfield , KY | 40069 | $356.9M |
| Willisburg Branch | Willisburg , KY | 40078 | $15.8M |
| Bardstown Road Branch | Springfield , KY | 40069 | $15.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 57 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $50K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Springfield State Bank
What are Springfield State Bank's total assets?
As of the Q2 2026 filing, Springfield State Bank reported total assets of $486.9 million in its FFIEC call report.
Where is Springfield State Bank headquartered?
It is headquartered in Springfield, KY, United States.
When was Springfield State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is Springfield State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Springfield State Bank?
Springfield State Bank's primary federal regulator is the Federal Reserve.
How many branches does Springfield State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Springfield State Bank's Texas Ratio?
Its Texas Ratio is 3.17% 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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