BlastPoint's Banking Scorecard
Bank of Springfield
Community
Specialty: Commercial
IL
FDIC cert 19506
Springfield, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Bank of Springfield has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27% in Community
- - NIB Deposit Bleed: Bottom 53% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+11.5% YoY
+2.0% QoQ
|
+$513.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.5B
+6.0% YoY
+0.8% QoQ
|
+$556.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.6B
+11.7% YoY
+2.3% QoQ
|
+$484.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.21%
+13.2% YoY
+3.2% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.14%
+4.8% YoY
+1.0% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
65.33%
-3.2% YoY
-2.0% QoQ
|
+2.70% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.57%
-0.8% YoY
-6.8% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
92.88%
-5.1% YoY
-1.5% QoQ
|
+9.82% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
11.99%
-16.7% YoY
-6.5% QoQ
|
-9.05% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
1.31%
-4.2% YoY
-8.1% QoQ
|
+0.81% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
10.92%
+6.8% YoY
+0.4% QoQ
|
+0.68% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
1.22%
-0.4% YoY
+31.7% QoQ
|
+0.48% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#168 of 371 · Top 45% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.22%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.21%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#140 of 513 · Bottom 27% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.88%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#48 of 89 · Bottom 53% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.99%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.88% · Tier avg: 83.06%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
40
40th pctile
Efficiency Ratio
Current: 65.33% · Tier avg: 62.63%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.92% · Tier avg: 10.24%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.99% · Tier avg: 21.05%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.99% · Tier avg: 21.05%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.92% · Tier avg: 10.24%
40
40th pctile
Efficiency Ratio
Current: 65.33% · Tier avg: 62.63%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.88% · Tier avg: 83.06%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
90
90th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%