# SPRINGFIELD STATE BANK
SPRINGFIELD, KY · FDIC certificate 8772 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $486.9M | |
| Deposits | $388.4M | |
| Loans and leases | $338.5M | |
| Total equity | $56.3M | |
| Loans / deposits | 86.15% (p62 of band) | 82.04% |
| Liquid assets / assets | 26.94% (p56 of band) | |
| Uninsured deposits / deposits | 19.27% (p26 of band) | 25.97% |
| Brokered deposits | 1.64% | |
| Wholesale funding | 8.70% (p73 of band) | |
| FHLB advances / assets | 4.46% | |
| Tier 1 leverage | 14.04% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -26.79% (p15 of band) | -8.10% |
| AOCI / equity | -0.74% (p31 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 3.03% (p10 of band) | 3.91% |
| Efficiency ratio | 49.93% (p18 of band) | |
| Noncurrent loans | 0.56% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 204.20% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 38.01% (p45 of band) | |
| Auto loans | $8.1M (2.39% of loans; DQ 3.96%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 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 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 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
- 2025-01-23 [2 arrested in connection to bank robbery in Willisburg - LEX 18 News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTFZycHMta2tvSmFkYm50SHd5d2hoT2dvUThXWlA2VHFHUFhYdmhaUldTVEdRVEtUQ3BoLThrQWlaenJCSy1qU3E3NmpSbUFXZVlLQTN6R19Wc1RLLTFSZWNGWENEUVpjblY0YUVEbmJidEVPNENnSmNmRmVYLU5WbURidnNTb210YlNXcXlvcm05eldLNEpMV3lYQkNIei1xLUJoR19R?oc=5) · LEX 18 News
- 2025-01-25 [Louisville man arrested, charged in connection to Washington County bank robbery - WLKY](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa3JVMHlZLUtQOXRGbExBMkFQVi1ucmlXckpiRTZLRXc4MjdzYU45blIycFlZWGRBS0RhV1lRZjlFbDhzWTRHWWRFNnFFU0hmVWpqOVJQTXI4c0lPWXNpaEhfNktuR3lfLTlyaE1ETHVGeWxveGF0TW92NDlndXVwNndKYV9FSW91TDlJN2RodE80ekNveTVF?oc=5) · WLKY
- 2025-01-23 [Woman arrested in Louisville in connection to armed robbery at Springfield State Bank - WHAS11](https://news.google.com/rss/articles/CBMizAFBVV95cUxPazJfVTNKT3VaNU1uM0FnMmFuMWRadHJMTWo0UTNnckkyTDdwUldER3VCemxvRlY4ZEx1aWEtZ1RFYlNDWXBVcVVlRDZPRlh0bzFBVmpDUHZ1Tm5QWnBvSHoxNGJDMVpoRmhTMjFOZzVVT2lsWVU5UjRzeWdiLWljMjdIXzM4Q0JmZXM5WW4xN3JKd1U3V0xoYjExTVNNY1FMVUt6OUx6eF90blFLeXhnRXNFQmtBZzNWdmVtQU11eDE0ZXdPMTJQSktHeG8?oc=5) · WHAS11
- 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
- 2021-10-01 [Ann Murphy Obituary (1927 - 2021) - Springfield, KY - The Springfield Sun - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWjZ4VzdKaHB1cTRjbUZpTnB0MTY2cDBxckd6T0ZWS0d5Y1VXRVp5dWtIczJoZ2pLb1lsRXYtaEZZQXBNZWQ1bE1iY19FMFJsT1VqMzRxeUR0MGZWaEhqTFJWNnpEQWo5SWZrX3ZYUmI3cTFjRkNqTnFSZHNKVmFueS1tUWlrMzl1Z24wUHRNb1hFZW0xSUE?oc=5) · Legacy obituary
- 2024-11-13 [Woman attempts escape from Washington County Jailer - pmg-ky2.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQWW03a2h1dWc0OF9jeFZ2ZXZTdzUwUFg2eGVtWGZKb1Z6MW1kakJ3ZkN2MlFDazQyS1pEX3l3UV9Da0ZrcDE1TjJPSnFkS2t3UDRGUVRYVERMbm1vd291NlE5UjZ3SWx6ZmJIb3ZieVp2clQzNWo5QlJIaHNST0k4TW4yV0g3U1ZrMkZpVVlGeVp2M2tCSUtnWHF6ZnFGSTA4SkxtbzRNcjNwelZKeUJSbnlmYXd4VmJadFBKSDlzUG12aUpWRjdrRzhMZDIzWkNQZ1BkTXRDQTVYZw?oc=5) · pmg-ky2.com
- 2022-05-02 [Elizabeth Roney Obituary (1936 - 2022) - Springfield, KY - The Springfield Sun - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPUkZFNW1xQkFKMGpHeGhkLUlEZm04dXVzVzFDaDJGa1VBcTUzeEVqZ25yM0ltYjdjaGFnXzg0MWp3cFZtVW90aXVsVDlNREFaRWZHQ3dWUUhMTXI5STFPR2F5WVY2dUlGSnJjUkxlS0l0Z1dmdVFZQ25LQnE3UVVNbko0QTRnMVdYNUVPLXpQanlUQ2M1U1FjQ0prd1c?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8772 (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/4.json (key "8772", 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