Bank of Springfield: how it compares with its peers
Against 35 IL banks with half to twice its assets, Bank of Springfield's strongest measure in Q2 2026 is net interest margin (4.24% vs. a 3.57% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $9.9M).
| Measure | Bank of Springfield | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.34% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 3.57% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.25% | 51.28% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $9.9M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.85% | 85.02% | Context |
What it means for lending operations
Its efficiency ratio of 63.25% is above the 51.28% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Blackhawk Bank & Trust Milan, IL · $2.04B
- American Commercial Bank & Trust, National Association Ottawa, IL · $2.07B
- Peoples National Bank , N.A. Mount Vernon, IL · $2.08B
- Marquette Bank Chicago, IL · $2.09B
- First Bank Chicago Highland Park, IL · $2.23B
Questions about Bank of Springfield
How big is Bank of Springfield?
Bank of Springfield, established in 1965, is headquartered in Springfield, IL. It reported $2.00B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is Bank of Springfield's return on assets?
1.30% annualized in Q2 2026, against a 1.34% median for 35 IL banks with half to twice its assets, ahead of 49% of them.
What is Bank of Springfield's efficiency ratio?
63.25% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 51.28%, and lower is better.
Is Bank of Springfield growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 10.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.