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Springfield State Bank
Springfield, KY · FDIC Certificate #8772 · Chartered 01/0
Total assets
$486.93M
Total deposits
$388.35M
Total equity
$56.29M
Net loans
$334.57M
Branches (offices)
3
Net income (YTD)
$2.43M
Rank: #1,818 of 4,213 U.S. banks by assets · #40 of 120 in Kentucky. Assets changed 8.7% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 8.71% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 11.56% |
| Tier 1 leverage ratio | 14.04% |
| Uninsured deposits (share of deposits) | 19.3% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $295.28M | 88.3% | |
| Commercial & industrial | $20.67M | 6.2% | |
| Consumer / individual | $11.80M | 3.5% | |
| Construction & development | $21.39M | 6.4% | |
| Agricultural | $9.22M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $381.47M | $300.45M | $2.84M | $42.12M |
| Jun 2023 | $393.62M | $304.81M | $2.10M | $41.32M |
| Jun 2024 | $422.54M | $324.12M | $1.59M | $45.34M |
| Jun 2025 | $447.76M | $350.40M | $2.19M | $51.24M |
| Jun 2026 | $486.93M | $388.35M | $2.43M | $56.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $388.35M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $388.35M.
Similar-sized banks
The Bank, National Association ($488.05M) · First Farmers & Merchants Bank ($486.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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