# BANK OF SPRINGFIELD
SPRINGFIELD, IL · FDIC certificate 19506 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $2.00B | |
| Deposits | $1.71B | |
| Loans and leases | $1.72B | |
| Total equity | $180.5M | |
| Loans / deposits | 99.85% (p85 of band) | 87.10% |
| Liquid assets / assets | 10.79% (p7 of band) | |
| Uninsured deposits / deposits | 23.59% (p26 of band) | 30.76% |
| Brokered deposits | 7.02% | |
| Wholesale funding | 12.12% (p71 of band) | |
| FHLB advances / assets | 4.55% | |
| Tier 1 leverage | 9.22% (p17 of band) | 10.50% |
| Unrealized securities loss / equity | -3.79% (p70 of band) | -7.75% |
| AOCI / equity | -0.31% (p49 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.26% |
| Net interest margin | 4.24% (p79 of band) | 3.70% |
| Efficiency ratio | 63.25% (p64 of band) | |
| Noncurrent loans | 1.43% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 71.44% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 120.76% (p94 of band) | |
| Auto loans | $2.6M (0.15% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $4.0M (2% of equity) (p78 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 352 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | construction >100% equity |
| 2012-12 | 2 | construction >100% equity |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | construction >100% equity |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | construction >100% equity |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | construction >100% equity |
| 2014-09 | 3 | construction >100% equity |  |
| 2014-12 | 2 |  | construction >100% equity |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | liquid assets <10% |  |
| 2015-09 | 4 | loans exceed deposits, construction >100% equity |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 2 | capital falling | reserve under noncurrent, liquid assets <10%, loans exceed deposits |
| 2016-06 | 2 | brokered >10% | capital falling |
| 2016-09 | 3 | liquid assets <10% |  |
| 2016-12 | 2 |  | liquid assets <10% |
| 2017-03 | 1 |  | brokered >10% |
| 2017-06 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | loans exceed deposits |  |
| 2018-03 | 3 |  | brokered >10%, wholesale funding >15%, loans exceed deposits |
| 2018-06 | 4 | charge-offs p90 |  |
| 2018-09 | 6 | brokered >10%, wholesale funding >15% |  |
| 2018-12 | 8 | loans exceed deposits, expense ratio p90 |  |
| 2019-03 | 4 |  | construction >100% equity, charge-offs p90, loans exceed deposits, expense ratio p90 |
| 2019-06 | 2 |  | brokered >10%, wholesale funding >15% |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 5 | loans exceed deposits, charge-offs p90, uninsured deposits leaving | capital falling |
| 2020-06 | 4 |  | loans exceed deposits |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 4 |  | uninsured deposits leaving |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | construction >100% equity |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 3 | deposits shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 4 | capital falling, charge-offs p90 |  |
| 2024-03 | 2 |  | capital falling, charge-offs p90 |
| 2024-06 | 3 | construction >100% equity |  |
| 2024-09 | 3 | capital falling | noncurrent p90 |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 3 | loans exceed deposits |  |
| 2025-06 | 3 | noncurrent p90 | loans exceed deposits |
| 2025-09 | 3 | capital falling | noncurrent p90 |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-09-01 [Officials discuss Bank of Springfield Center expansion, 3% hotel tax - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2026-09-03 [Retired public schools superintendent tapped for board position - The State Journal-Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxNRU03XzY3Yk9iaW5jMEt5a0VBUERjcm0wcEozVDhFdUlqX3hpbkR2RklMNWNpOGhMUzdtZzlQaDN2S3JXbHU2WnF0UGFFNlQzUWo0ZGhiX1FTY3lsVG1VeFFvaTFHaUduYzV3bXF2dnVNbTRRaWxiZ3B2VDRuMWNaRFNEZXNVWThWR3doSGRuV1h4ZjFkYlZTa0pnTmc2S2RPdWhRVXhhNnBja3hfbTlrLTJ6Y29TUkJfZW1neDdRMWxtZlpwbXNfcHRn?oc=5) · The State Journal-Register
- 2026-07-17 [Bank of Springfield BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxOalg3VkhELXVfRTVOWFh6U2RTSkNlYW5JZDlpUVVzX3FqTkltZjdkY1RpUzhsYW5POVByWjNheVlIc1lKcjRtY1FlSzlteE1GMFBKMDctamJRQlEzOGNPNndJell2T1RJbDQwNU5KWTViMG1YVUpvYVF6NW1qbjNwMEx0SmJwUU8yUXc?oc=5) · The Business Journals
- 2026-05-06 [Bank of Springfield welcomes Kimberly Harden - Muddy River News](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSXNLaXprZFdXUmNBd2dteWN3SE4wTkNRUjduZjk3TXNYUDJCT2prUjVZSUZsOE9NY1p5YXRaOFZIS1UzOTYtSHVPVnhFYTJ1bVBvS0Q5NjJtQUx5ck9vR3hKN2t4VVZBQUljbjMtS3dPTFdwdjgwRl9ETGJaamtVanV4OWNWdXM5UG9SOUwwNFMyaVZIajJwVGJSaG8?oc=5) · Muddy River News
- 2025-10-29 [Bank of Springfield celebrates 60 years - Illinois Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNdGhFTzNQSU43TVc4bkFGbFVFMkt2X3REM2tQei1tamI4bHZTNEhVbXlzTkUyek5JM2NOMFZIYlpNQ3BnU0JkdjRiODZrQlA1NnFXMkxmdEh2Si1hWEtsaHFhZGZFQU1VeTU3bldQbjAwZ3RMVGkwY2VkUVVnSjI0UmFWTQ?oc=5) · Illinois Business Journal
- 2026-01-21 [Bank of Springfield City high school basketball tournaments start Wednesday - Capitol City Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxOLUIzWEpERDFhcWtBS3lBd1ItdWdUOGdWbEhJdHZ0bzNiWU82NjU2LWpVTGV3VFZ4RXJFZWRJMy1xY25zUWRERktrQks1OHVmUzZaNFVXT3J2Z3Z2akZDOHZvcklINmtOWDlxcnRFei0xY0szS1VJWjhhSTZJcEU2eFROTnlabHJtZ2ZnODNxS2hqUXVSTm9sVk9kWWF4cXN0NW1RS0lMd0dvSmtyM1lRVU9TcU8tQQ?oc=5) · Capitol City Now
- 2026-09-02 [Sangamon County Board OKs 3% tax hike to fund BoS Center expansion - The State Journal-Register](https://news.google.com/rss/articles/CBMizAFBVV95cUxNVHBKMHlFQlVCQzRSRy11eldmQ2Z3M2hNZXkxd2lCRmxVTzRXRUcybmgtZHItYVhsTFJYWFFnX2RJMkNUYk1XNG53QkNaYkhuVm9PVjJSRWlkWnFIMWZycEdGNGNyeFdPUXFZWVRRMVhkTXlIVFdObDFXcW1yb3FETGdzeEwxYjRxOWJRQTJCSTFTQTNmTDdCT1JuZF8wSmhZdDlUSkdaeG1OUUhWQkg0VkkxWGljbnJ6MWs0NVpjZ20wVUJSaWpuNkVNWGY?oc=5) · The State Journal-Register
- 2026-03-31 [Turner, local leaders unveil economic development plan for downtown Springfield - Illinois Senate Democratic Caucus](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQMWJNc2RtcGcyckVfRlNKVGcxTC10cFJfU2ZwRjVKc2x2Z1NBWHRwSEJ4c1pFaTRjbVFjRWxhTTZ5MDYxYlZvbzNobHRCRHRyUkRtd0puLVJrbE5YbmRNWjFtZ2FFZHlmVGtkcFRSU25McEphaVhmdlRwbGN1WDlaYS1yN1FaSzJacGNrYTZGbWhoQ0M3MC1vN0VuM05UYnp0TXpXVE5NMEoyRXNuWjFhTXBjRXBYaUVRQzZ2Sk94WmpKYW8xUF9qaEViWjVxekk4LTBzODRtQTZyeUVuRXVoaE5VQk82eGJMdXg0RHFlbG9sMW9SU2xv?oc=5) · Illinois Senate Democratic Caucus

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19506 (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/50.json (key "19506", 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