Bank Of Springfield (FDIC #19506): Bank Stress & Real-Estate Credit Exposure

Bank Of Springfield (FDIC Cert #19506): bank stress 68/100, elevated, STABLE over 7 days; parent SPRING BCORP INC.

Bank Of Springfield (#19506) lends in 10 counties across 2 states; Bank Of Springfield (#19506) reaches 279 ZIP codes: Illinois 8 counties, 217 ZIPs; Missouri 2 counties, 62 ZIPs.

Bank Of Springfield (#19506) largest markets: St. Louis County, MO (47 branches, 47 ZIPs) (#19506), Madison County, IL (36 branches, 36 ZIPs) (#19506), Champaign County, IL (35 branches, 35 ZIPs) (#19506), St. Clair County, IL (68 branches, 34 ZIPs) (#19506), Mclean County, IL (33 branches, 33 ZIPs) (#19506), Sangamon County, IL (150 branches, 30 ZIPs) (#19506).

Bank Of Springfield (#19506) reports $2.00 billion in total assets; Bank Of Springfield (#19506) equity $180.5 million (9.0% of Bank Of Springfield (#19506) assets); Bank Of Springfield (#19506) domestic deposits $1.71 billion; Bank Of Springfield (#19506) net income $12.7 million; Bank Of Springfield (#19506) return on assets 1.30%; Bank Of Springfield (#19506) return on equity 14.51%; Bank Of Springfield (#19506) net interest income $39.2 million; Bank Of Springfield (#19506) call report June 30, 2026.

Bank Of Springfield (#19506) noncurrent real-estate loans: none reported; Bank Of Springfield (#19506) residential -0.03%; Bank Of Springfield (#19506) net charge-offs on real estate 1.56%; Bank Of Springfield (#19506) residential charge-offs 0.20%.

Bank Of Springfield (#19506) net interest margin 4.24% against an eight-quarter Bank Of Springfield (#19506) average of 4.06% (Bank Of Springfield (#19506) compression -0.17 points); Bank Of Springfield (#19506) non-residential real estate 20.4% of equity; Bank Of Springfield (#19506) rate-exposure score 40/100, Bank Of Springfield (#19506) fixed-rate trap 40/100; Bank Of Springfield (#19506) risk type credit driven; Bank Of Springfield (#19506) rate regime rates elevated, Bank Of Springfield (#19506) snapshot October 19, 2026.

Bank Of Springfield (#19506) stress score moved from 67.7 on June 22, 2026 to 68 on October 19, 2026; Bank Of Springfield (#19506) ranged 67.7 to 68 over 116 snapshots.

Bank Of Springfield (#19506) alerts: 9 counties; top Bank Of Springfield (#19506) alert scores: Champaign County, IL 40 (moderate); Glen Carbon County, IL 24 (low); Jacksonville County, IL 24 (low); Normal County, IL 24 (low); O Fallon County, IL 24 (low).