Springfield State Bank
Springfield, KY
IDRSSD: 197142
Total Assets
$476.67M
Latest filing
Total Deposits
$376.45M
Latest filing
Net Interest Margin
3.06%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Springfield State Bank
125 E Main St
Springfield, KY 40069
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1911FDIC Certificate 5585
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Springfield State Bank (Main) | 125 E Main St | Springfield, KY |
| WILLISBURG BRANCH | 2559 Main St | Willisburg, KY |
| BARDSTOWN ROAD BRANCH | 1060 Bardstown Rd | Springfield, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40069 |
| State and County Number | 21229 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.springfieldstate.bank |
| Data Updated | 01/30/2026 |
| CERT | 8772 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $476.67M |
| Total Deposits | $376.45M |
| Total Liabilities | $421.16M |
| Total Equity Capital | $55.51M |
| Net Income | $1.28M |
| Net Loans and Leases | $327.94M |
| Assets Per Employee ($Millions) | $12.54M |
| Bank Premises and Fixed Assets | $1.51M |
| Cash and Balances due from Depository Institutions | $10.08M |
| Deposits Held in Domestic Offices | $376.45M |
Key Performance Ratios
| Return on Assets (ROA) | 1.09% |
| Return on Equity (ROE) | 9.32% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 53.59% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.645% |
| Earning Assets to total Assets | 94.96% |
Income and Expense
| Total Interest Income | $5.81M |
| Total Noninterest Income | $369.00k |
| Total Interest Expense | $2.42M |
| Total Noninterest Expense | $2.02M |
| Net Interest Income | $3.39M |
| Pre-tax Net Operating Income | $1.64M |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $23.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.64M |
| Federal Funds Purchased and Repurchased Agreement | $13.26M |
| All Other Liabilities | $7.50M |
| Total Liabilities and Capital | $476.67M |
Securities
| Securities | $116.73M |
| Available-for-sale debt securities | $112.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.83M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Springfield State Bank?
$476.67M as of the latest filing.
How much are Springfield State Bank's total deposits?
$376.45M in total deposits.
Where is Springfield State Bank located?
Springfield, KY.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1911.
What is the Return on Assets (ROA)?
1.09%.
How much are total loans and leases?
$327.94M (latest filing).
What is the total interest income (latest filing)?
$5.81M.