Springfield State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Springfield State Bank of Springfield, KY against its peer group of 2757 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 | 0.92% | 1.25% | -0.33% | 28th below |
| ROAE | 7.93% | 12.22% | -4.29% | 24th bottom |
| Net Interest Margin | 3.01% | 3.95% | -0.94% | 9th bottom |
| Efficiency Ratio | 49.12% | 63.71% | -14.59% | 82nd top |
| PPNR / Avg Assets | 1.64% | — | — | 52nd above |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 2.49% | 1.87% | +0.62% | 15th bottom |
| Net Interest Spread | 2.15% | — | — | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.88% | -0.32% | 43rd below |
| NPA / Total Assets | 0.39% | — | — | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 1.15% | — | — | 44th below |
| ACL / NPLs (Coverage) | 204.20% | — | — | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.17% | 5.96% | -2.79% | 46th below |
| Provision / NCO | 4600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.04% | 11.75% | +2.29% | 81st top |
| Equity / Assets | 11.56% | 10.98% | +0.58% | 66th above |
| TCE / Tangible Assets | 11.56% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.15% | 80.44% | +6.71% | 35th below |
| Core Deposit Ratio | 84.40% | 86.95% | -2.55% | 29th below |
| Wholesale Funding Ratio | 7.06% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.75% | — | — | 78th top |
| Loan Growth (Y/Y) | 9.57% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 10.83% | — | — | 85th top |
See Springfield State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Springfield State Bank, 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 Springfield State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Springfield State Bank peer analysis.