TellerScore

Bank of Springfield (FDIC certificate #19506) is based in Springfield, Illinois. Its Q2 2026 call report shows $2.0B in total assets and $1.7B in deposits and 18 offices across 2 states.

Bank of Springfield has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 273rd. Problem-loan coverage contributes the most (75/100, 12.5%); capital cushion contributes the least (42/100, 9.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.22%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.43%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 99.9% · 23.6% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (50 → 55), mostly because the loan quality component improved by 10 points.

TellerScore
505355Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202451
Q1 202551
Q2 202550
Q3 202552
Q4 202553
Q1 202654
Q2 202655
Tier 1 leverage ratio
5.00%7.11%9.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.73%
Q3 20248.58%
Q4 20248.62%
Q1 20259.01%
Q2 20258.90%
Q3 20258.85%
Q4 20258.95%
Q1 20269.17%
Q2 20269.22%
Noncurrent loans
1.43%1.59%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.54%
Q3 20241.49%
Q4 20241.57%
Q1 20251.60%
Q2 20251.75%
Q3 20251.67%
Q4 20251.56%
Q1 20261.57%
Q2 20261.43%
Return on assets
1.04%1.17%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.05%
Q4 20241.07%
Q1 20251.13%
Q2 20251.13%
Q3 20251.17%
Q4 20251.21%
Q1 20261.25%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$2.0B9.22%1.43%1.30%99.9%
Q1 202654$1.9B9.17%1.57%1.25%96.5%
Q4 202553$1.9B8.95%1.56%1.21%92.9%
Q3 202552$1.9B8.85%1.67%1.17%94.3%
Q2 202550$1.8B8.90%1.75%1.13%97.2%
Q1 202551$1.8B9.01%1.60%1.13%101.9%
Q4 202451$1.7B8.62%1.57%1.07%97.9%
Q3 202451$1.7B8.58%1.49%1.05%94.8%
Q2 202451$1.6B8.73%1.54%1.04%96.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.22%
17th
Total risk-based capital11.81%
30th
Problem loans1.43%
17th
Net charge-offs-0.01%
92nd
Return on assets1.30%
55th
Net interest margin4.24%
79th
Efficiency ratio63.3%
36th
Loans to deposits99.9%
15th
Uninsured deposits23.6%
74th
Loan-loss reserves1.02%
34th
Texas ratio12.5%
11th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Blackhawk Bank & TrustBank Milan, IL76 out of 100, Strong$2.0B10.5%0.09%vs
American Commercial Bank & Trust, National AssociationBank Ottawa, IL66 out of 100, Moderate$2.1B9.3%0.29%vs
Peoples National Bank , N.A.Bank Mount Vernon, IL62 out of 100, Moderate$2.1B9.3%0.84%vs
Marquette BankBank Chicago, IL66 out of 100, Moderate$2.1B8.4%0.10%vs
First Bank ChicagoBank Highland Park, IL52 out of 100, Below average$2.2B9.1%1.09%vs
Crystal Lake Bank and Trust Company, National AssociationBank Crystal Lake, IL70 out of 100, Strong$2.3B9.7%0.34%vs

Deposit insurance

Is my money safe at Bank of Springfield?

Yes. Bank of Springfield is an FDIC-insured institution (FDIC certificate #19506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.6% of deposits ($402.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.81% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Bank of Springfield lists 18 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Springfield reported 1,187 home-loan applications under HMDA (LEI 549300XAJENHWRM32Z86): 957 originated ($249,335,000 total), 80 denied, and 147 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Springfield
Type
State-chartered bank
FDIC certificate #
19506
RSSD ID
248240
Primary regulator
FDIC
Holding company
Spring Bcorp Inc
Established
October 29, 1965
Headquarters
3400 Wabash Ave, Springfield, IL 62711
Employees
352

Quick answers

Bank of Springfield: common questions

Is Bank of Springfield FDIC insured?

Yes. Bank of Springfield is an FDIC-insured institution (FDIC certificate #19506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Springfield's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Springfield ever failed?

There is no failure record for FDIC certificate #19506 in the FDIC failed bank list.

How many branches does Bank of Springfield have?

18 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs