# SPRINGFIELD STATE BANK
SPRINGFIELD, NE · FDIC certificate 16379 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $84.3M | |
| Deposits | $77.8M | |
| Loans and leases | $22.7M | |
| Total equity | $6.4M | |
| Loans / deposits | 28.67% (p7 of band) | 61.86% |
| Liquid assets / assets | 72.98% (p94 of band) | |
| Uninsured deposits / deposits | 49.52% (p96 of band) | 19.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.36% (p13 of band) | 10.43% |
| Unrealized securities loss / equity | -0.86% (p31 of band) | 0.00% |
| AOCI / equity | -3.33% (p33 of band) | |
| ROA (annualized) | 0.30% (p14 of band) | 0.96% |
| Net interest margin | 2.18% (p10 of band) | 3.26% |
| Efficiency ratio | 77.52% (p69 of band) | |
| Noncurrent loans | 2.46% (p92 of band) | 0.28% |
| Net charge-offs (annualized) | 0.36% (p97 of band) | |
| Reserve coverage of noncurrent | 68.64% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 31.49% (p69 of band) | |
| Auto loans | $1.5M (6.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 29.6% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | uninsured deposits >50%, capital falling, reserve under noncurrent |  |
| 2020-12 | 2 | noncurrent p90 | uninsured deposits >50%, capital falling |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-08-02 [Suspect in metro bank robberies arrested by U.S. Marshals - WOWT](https://news.google.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?oc=5) · WOWT
- 2025-01-23 [Louisville woman arrested in connection to bank robbery; another arrest expected - WLKY](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZ09jNWtyeTFXdXlhQVlNQXJhajFkV3hlbXNRcHNRcGt0am1FYXZrR0NtVHQybXFDOWx4N3BHb3VxNXBURHVWN1JlZ0Q0bUlMbGQ0c2Q3LV9SSmphaFE1N3h5d1lZQUpLNXZpLTVkNWlRNmdSTFVSV0VNcjNNaWdGV2V1RHN4aFQ5X3dtY2hUX082YnZydDVoTzdhY3VNbVZyV1E?oc=5) · WLKY
- 2013-12-13 [Banks adapt security measures as fraud schemes advance - Springfield Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxPQjRHd2VNcDRhdXRsSHBmMlNpMFMyT0FPd1BHOGNKcDhrb3M5NWdQcGZrNDV1Mk1ROVpvdzFfQjU1U3lKaEFYOGQtME1TRGoyQTZfaVp2X0JTb2dJdVk4WmZZYW5HbXk4QmotRjhWV2hZeEUtck1vNTdOS1dsQzF4Rm5pbVozWGx4TWRsYQ?oc=5) · Springfield Business Journal
- 2025-12-10 [Knox pleads guilty to Willisburg bank robbery - pmg-ky2.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOSDZsQWlxcjRjLS12SVZDUkpPQmhUR0xURmVlWXpHdUF2N091WExCdXo4YTFXNlI2eHVPclpvV2RjOWF6WUFTaEVzOTMwTDZYOS12LXYzcENKbXRtaHVJZlF6WE1qcWhtWE9BcTZoUG1XcWt0OWxXNUJhdnhJc0hrcUJkby1KUmFldUo5cy1oVmJEejgwRGpCYmV2RlFMRkhaSlNLT2RGeVgzUHk0YXRidkRITWRscDlZMXNTaFJxUnpoS19pYmhfWk11OVhpY0o4Tmc?oc=5) · pmg-ky2.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2012-10-30 [Ralph Polson Obituary (2012) - Omaha, NE - Omaha World-Herald - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxQS09Pbk9qcTlMSXhxTmgtZTFxQk51a0ZGTzVnV1RjS0R0d3BuRThkRThuWTlfNkV2UVVPaHd0WXM3bTdxYWR3ZTFhQngxQ1VyXzRiZGJXMTZnU0pkRS1TMEV1RzRwODlwOTlUTDM3SmhNTUlwazVkRTRWM090VjM2eXB6YnEzTWM?oc=5) · Legacy obituary
- 1977-10-02 [Indictments Expected in Inquiry By U.S. on Bank Fraud in Jersey (Published 1977) - The New York Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxPeGVocUYxaFdTS240SzliLW5ZdHBJQk1PeTNOMWFkU2s2eUc4eEloalhwUWJEZFh4enEzS1ljRl9jTUlWbkE2VUtrTm1zSG9lenpvT0ZrMHVBYkNMOWhBR0R4cUVxUUFZMVEwVkdhbjlvdzdGZzJqSTZxTndiN0Z5MmtxQWZjSG9xQ0JqQUozZk92REZVTDFhckNWbTdrdjROMmFLOGlyVUFpa0JzZWZF?oc=5) · The New York Times
- 2025-05-21 [County approves trial run of new traffic cameras - pmg-ky2.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNMkQyV2xjeTBMeUVnUXc5a1RWdDFRMzhTbDZ0c29XQUpXR3NqTnN1c1JxTl9WUDloWmZHYXhkcDhyWFRIaWVNWkgycm5MM0IteGFkMDR5U003cXpEc05QdzhYOG9NNGFuRE50ZmE3UlQyeUM2TGczVktDSk44VTlDWmF1WGlON2RhUFFhbVoxOGdYWC1LYWhkSWJ5bC12bzhqd3ROZmZ0d2FnZ1JGUUZqZUtXRVVYRU00Z1RqalNuZ0pJRWp0c1NQUW5CblQ0ckVGRnhEWXdLa1djRlc0aXVB?oc=5) · pmg-ky2.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16379 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "16379", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide