🏦Bank Scorer

BANK OF SPRINGFIELD

SPRINGFIELD, IL · Supervised by FDIC

Est. 1965FDIC #19,506RSSD: FDIC-19506
Part ofSPRING BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

3400 Wabash Ave, SPRINGFIELD, IL

County

Sangamon County

Established

October 29, 1965

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.7B

Net Loans

$1.6B

Net Income

$6M

ROA

1.25%

ROE

13.99%

Risk-Based Capital

11.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.33%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.5B

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,06480.08%7.33%
20231,02581.66%6.63%
20221,33279.13%6.68%
20212,60979.03%5.79%
20204,01177.01%5.73%
20192,68179.52%3.39%
20181,42876.75%6.23%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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