FDIC Cert #19506 · Springfield, Illinois · Est. 1965

Bank of Springfield - FDIC Bank Health Profile

A community-scale look at Bank of Springfield's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.9B
Total assets
B
Health grade · Good
1.21%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Springfield earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.92% Tier 1, profitable at 1.21% ROA, 65% efficiency ratio.

#622
largest of 4,313 FDIC banks by assets
86th
percentile by asset size, nationally
10.92%
Tier 1 ratio - above the 10% well-capitalized line
58th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 19506 · IL B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2866/4307
  • PHOTO-FINISH IncredibleBank · WI
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 13.0% Texas
  • ROA-PAR 1.21% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: IncredibleBank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Springfield

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Springfield · IL · t…72/100Fremont Bank · CA · near72/100IncredibleBank · WI · near72/100Texas Bank · TX · near72/100United Mississippi B… · MS ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Springfield · July 2026

Call Report read for Bank of Springfield in a high-failure state

Bank of Springfield (FDIC Cert #19506) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,866 of 4,307. Tier 1 capital prints at 10.92%, clearing the 10% well-capitalized line. The Texas Ratio is 13.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.21%. Balance-sheet scale is $1.9B, 622nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is IncredibleBank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Springfield

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Bank of Springfield sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Bank of Springfield's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Bank of Springfield's 72/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10072/100
Bank of Springfield's composite health score
Tier 1 Capital Ratio (10.92%) 28/40
Return on Assets (ROA) (1.21%) 20/25
Texas Ratio (13.01%) 16/20
Efficiency Ratio (65.33%) 8/15

72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.9B

Total balance-sheet footings

Total Deposits

$1.6B

Customer-funded liabilities

Net Loans

$1.5B

Outstanding loan book

Net Income

$22M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.52% 10.92% 12.32%
Basel III capital ratios - Bank of Springfield

Where Bank of Springfield ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Springfield's score of 72/100 falls in the highlighted band.

Bank of Springfield: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 33rd percentile higher than 33% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Springfield 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Springfield's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Springfield's $1.9B falls in the highlighted band.

Capital & credit buffers at Bank of Springfield

Tier 1 capital ratio
Well-capitalized 10%

10.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.92%
Texas Ratio
13.01%
Equity Capital
$170M

What these ratios mean →

Earnings posture at Bank of Springfield

Return on Assets (ROA)
58th percentile nationally
1.21%
Return on Equity (ROE)
13.70%
Efficiency Ratio
65.33%

What these mean →

Income & expense at Bank of Springfield

$106M
Interest Income
$23M
Non-Interest Income
$62M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Springfield reports a Texas Ratio of 13.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Springfield on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.9B here), outside Illinois so the neighborhood is not state containment.

Thomaston Savings Bank $1.9B · CT Whitaker Bank $1.9B · KY First Northern Bank of Dixon $1.9B · CA Shinhan Bank America $1.9B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Springfield (FDIC Cert #19506) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Springfield Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%