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Overview / Commentary
877-882-8112
2006 South Glenstone Avenue
Springfield, MO 65804

Springfield First Community Bank is headquartered in Springfield and is the 70th largest bank in the state of Missouri. It is also the 1,982nd largest bank in the nation. It was established in 2008 and as of December of 2013, it had grown to 33 employees at 1 location. Springfield First Community Bank has a A health rating.

Reviews (1)

BEWARE!!! THE FACILITY IS DIRTY!!!!

the cleaning crew spit that cleans this facility spits on towels and wipe your bank with them..where all the public goes in to use your facility! they are going to get very sick or get diseases from your animal cleaners. the lady we spoke to did nothing about this when it was brought to her attention, and these "cleaners" were seen there again recently chewing tabacco spitting in the trash can they were pushing. people who bank here be careful and wash your hands when you leave!!! i am also reporting this on craigslist and news media to warn customers. pass the word along!!!



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 December 31, 2013 Springfield First Community Bank had $1.91 million in non-current loans and owned real-estate with $29.47 million in equity and loan loss allowances on hand to cover it. This gives Springfield First Community Bank a Texas Ratio of 6.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Springfield First Community Bank decreased dramatically from 11.89% as of December 31, 2012 to 6.48% as of December 31, 2013, resulting in a positive change of 45.55%.This indicates that the balance sheet and financial strength for Springfield First Community Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Springfield First Community Bank has increased its total deposits by $11.07 million, resulting in 4.28% 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

GRADE:
C

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 $329.3 million in assets with $29.47 million in equity, resulting in a capitalization level of 8.95%, which is average.

Institution Statistics

Overall
FDIC Certificate #58892
Year Established2008
Employees33
Primary RegulatorFDIC
Assets and Liabilities
Assets$329.30 million
Loans$266.19 million
Deposits$269.46 million
Equity Capital$26.65 million
Loan Loss Allowance$2.82 million
Real Estate Owned$1.91 million
Historic Data - December 2012
Assets$295.76 million
Equity Capital$24.23 million
Loan Loss Allowance$2.46 million
Unbacked Noncurrent Loans$0
Real Estate Owned$588,000
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets1.05%
Return on Equity13.03%
Interest Income$11.75 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Springfield First Community Bank, we are a rate comparison website and can not provide official rates or promotions.

Springfield First Community Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Personal Savings
0.25%--Business Savings

Springfield First Community Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%--Personal Money Market
0.25%--Business Money Market

Springfield First Community Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Interest Checking
0.30%--Senior Checking
0.25%--Business Interest Checking

Springfield First Community Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-36 Month CD
0.60%$100-18 Month HSA CD
0.50%$1k-18 Month CD
0.50%$1k-24 Month CD
0.35%$1k-12 Month CD
0.30%$1k-50 Day CD
0.25%$1k-182 Day CD
0.15%$1k-7-30 Day CD
0.15%$1k-60 Day CD
0.15%$1k-91 Day CD

Springfield First Community Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-36 Month IRA CD
0.75%$1k-24 Month IRA CD
0.60%$1k-18 Month IRA CD
0.60%$100-18 Month Variable IRA CD
0.50%$1k-12 Month IRA CD
Locations


Springfield First Community Bank Locations
Springfield First Community Bank2006 South Glenstone AvenueSpringfield, MO 65804