| Metric | Bank of Springfield | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +10.5% | +5.1% | +5.4 pts |
| Loan growth (YoY) | +13.5% | +5.9% | +7.6 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 14.5% | 12.2% | +2.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.00B | $1.71B | $1.70B | $180.5M | $12.7M | 1.30% | 4.24% | 1.23% |
| Q1 2026 | $1.95B | $1.68B | $1.62B | $174.7M | $6.0M | 1.25% | 4.12% | 1.36% |
| Q4 2025 | $1.90B | $1.65B | $1.53B | $169.9M | $21.8M | 1.21% | 4.14% | 1.31% |
| Q3 2025 | $1.87B | $1.61B | $1.52B | $164.4M | $15.7M | 1.17% | 4.09% | 1.42% |
| Q2 2025 | $1.80B | $1.54B | $1.50B | $158.0M | $9.9M | 1.13% | 4.05% | 1.52% |
| Q1 2025 | $1.75B | $1.46B | $1.49B | $155.0M | $4.9M | 1.13% | 4.02% | 1.39% |
| Q4 2024 | $1.71B | $1.48B | $1.45B | $150.2M | $17.6M | 1.07% | 3.95% | 1.36% |
| Q3 2024 | $1.72B | $1.48B | $1.40B | $146.6M | $12.9M | 1.05% | 3.91% | 1.26% |
Loan mix (Q2 2026): real estate $1.26B · commercial $319.7M · consumer $5.0M · securities $98.9M
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 59.0% | 64th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Springfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
17 branches in 10 counties across 2 states (+0 vs 2024) · $1.54B branch deposits. Biggest market: Sangamon, IL, ranked 3rd with 10.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 5 | $1.13B | 10.66% | 3rd |
| St. Clair, IL | 2 | $109.6M | 1.43% | 21st |
| Morgan, IL | 2 | $74.4M | 9.34% | 6th |
| 7 more counties with Pro → | ||||
Illinois: 59th with 0.20% · Missouri: 286th with 0.01% · Springfield metro: 3rd, 10.31% · St. Louis metro: 72nd, 0.17% ·
Branch count: 2022 14 · 2023 15 · 2024 17 · 2025 17