Springfield First Community Bank

Springfield First Community Bank is headquartered in Springfield and is the 89^th largest bank in the state of Missouri. It is also the 2,465^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 32 employees at 1 location. Springfield First Community Bank's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

Springfield First Community Bank Checking Account Rates

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Springfield First Community Bank Money Market Rates

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Data for Q1 2012

Institution Statistics Springfield First Community Bank FDIC Certificate # 58892 BankRate Report View Year Established 2008 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $261.15 million Loans $215.19 million Deposits $229.04 million Equity Capital $21.94 million Loan Loss Allowance $2.39 million Historic Data - March 2011 Assets $215.64 million Equity Capital $19.51 million Loan Loss Allowance $1.78 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.23% Return on Equity 14.64% Interest Income $2.63 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Springfield First Community Bank had $0 in non-current loans and owned real-estate with $24.33 million in equity and loan loss allowances on hand to cover it. This gives Springfield First Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Springfield First Community Bank has increased its total deposits by $43.08 million, resulting in 23.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Springfield First Community Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Springfield First Community Bank has $261.15 million in assets with $24.33 million in equity, resulting in a capitalization level of 9.32%, which is average.

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