C
Springfield State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Springfield State Bank
Springfield, KY
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Rating C
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 1.50
Profitability Index 4.70
Stability Index 7.40
Company Info Springfield State Bank
Springfield, KY
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FDIC Number 8772
Phone Number (859) 336-3939
Website www.springfieldstate.bank
Asset Quality Springfield State Bank
Springfield, KY
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1-Year Asset Growth 6.62%
5-Year Asset Growth 6.88%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.66%
Non-Performing Loans to Loans 0.14%
Balance Sheet Springfield State Bank
Springfield, KY
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Total Assets 459.12M
Total Deposits 356.83M
Capital and Reserves Springfield State Bank
Springfield, KY
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Capital 54.06M
Leverage Ratio 14.54
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio --
Liquidity Springfield State Bank
Springfield, KY
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Hot Money Ratio 35.09%
Liquidity Ratio 12.02%
Profitability Springfield State Bank
Springfield, KY
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5-Year Return on Average Assets 0.94%
Net Income 3.31M
Net Interest Spread 2.83%
Operating Profit to Average Assets 1.30%
Overhead Efficiency Ratio 53.74%
Return on Assets 0.99%
Return on Equity 8.74%