Springfield State Bank is a state-chartered bank (fed member) headquartered in Springfield, Kentucky, in business for about 115 years. At the end of Q2 2026 it reported $486.9M in total assets and $388.4M in deposits, with 3 offices.
Based on its Q2 2026 filing, Springfield State Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 26th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (60/100; 1.01%).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (85 → 79), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 84 |
| Q4 2024 | 84 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 85 |
| Q4 2025 | 84 |
| Q1 2026 | 82 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.80% |
| Q3 2024 | 14.70% |
| Q4 2024 | 14.57% |
| Q1 2025 | 14.56% |
| Q2 2025 | 14.47% |
| Q3 2025 | 14.54% |
| Q4 2025 | 14.22% |
| Q1 2026 | 14.17% |
| Q2 2026 | 14.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $486.9M | 14.04% | 0.56% | 1.01% | 86.2% |
| Q1 2026 | 82 | $477.9M | 14.17% | 0.43% | 1.11% | 86.4% |
| Q4 2025 | 84 | $476.7M | 14.22% | 0.11% | 1.01% | 87.1% |
| Q3 2025 | 85 | $459.1M | 14.54% | 0.14% | 0.99% | 87.8% |
| Q2 2025 | 85 | $447.8M | 14.47% | 0.13% | 0.99% | 87.2% |
| Q1 2025 | 85 | $443.5M | 14.56% | 0.07% | 0.91% | 87.3% |
| Q4 2024 | 84 | $439.0M | 14.57% | 0.06% | 0.81% | 86.7% |
| Q3 2024 | 84 | $430.6M | 14.70% | 0.09% | 0.73% | 86.0% |
| Q2 2024 | 85 | $422.5M | 14.80% | 0.08% | 0.76% | 84.6% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eclipse Bank, Inc.Bank Louisville, KY | 61 out of 100, Moderate | $485.7M | 9.5% | 0.31% | vs |
| River City Bank, Inc.Bank Louisville, KY | 74 out of 100, Strong | $494.9M | 11.7% | 0.36% | vs |
| The First National Bank of Russell SpringsBank Russell Springs, KY | 73 out of 100, Strong | $475.2M | 10.5% | 0.11% | vs |
| Pbt BancorpBank Hazard, KY | 28 out of 100, Low | $473.2M | 8.2% | 2.66% | vs |
| First Community Bank of the Heartland, Inc.Bank Clinton, KY | 56 out of 100, Moderate | $506.0M | 8.1% | 1.07% | vs |
| The Casey County Bank, Inc.Bank Liberty, KY | 71 out of 100, Strong | $508.4M | 8.3% | 0.10% | vs |
Deposit insurance
Is my money safe at Springfield State Bank?
Yes. Springfield State Bank is an FDIC-insured institution (FDIC certificate #8772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.3% of deposits ($74.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Springfield State Bank lists 3 offices in 2 cities. Most locations:
- Springfield, KY (2)
- Willisburg, KY (1)
Identity & history
Profile
- Legal name
- Springfield State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8772
- RSSD ID
- 197142
- Primary regulator
- FED
- Holding company
- Springfield Bankshares Inc
- Established
- January 1, 1911
- Headquarters
- 125 E Main St, Springfield, KY 40069
- Website
- www.springfieldstate.bank
- Employees
- 38
Quick answers
Springfield State Bank: common questions
Is Springfield State Bank FDIC insured?
Yes. Springfield State Bank is an FDIC-insured institution (FDIC certificate #8772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Springfield State Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Springfield State Bank ever failed?
There is no failure record for FDIC certificate #8772 in the FDIC failed bank list.
How many branches does Springfield State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |