Springfield State Bank

Overview / Commentary
125 East Main Street
Springfield, KY 40069

Springfield State Bank is headquartered in Springfield and is the 41st largest bank in the state of Kentucky. It is also the 2,126th largest bank in the nation. It was established in 1911 and as of June of 2022, it had grown to 42 employees at 3 locations. Springfield State Bank has an A health rating.

Reviews (1)


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My husband and I have been using Springfield State Bank for both our personal and business banking needs for many years now. Among other products and accounts, we use business and personal checking and savings accounts as well. The fees are in line with most others at this point, and the ease of use with these accounts is great. Because it is a local bank, you get a very friendly feel when you call or go into a branch for assistance. We have never had any trouble with this bank in 10+ years of banking with them, and can always count on them to help to the best of their abilities. Their online banking site is great, it is a little basic compared to some of the national bank sites, but it has everything you need and is easy to navigate. We also get to use it for free as part of our fee for our checking account, which is nice. I would also like to mention that should the need arise, it is quite easy to get one of the board members on the phone, such as the vice president of the bank, which is a bonus since usually you have to speak to tellers at the bottom line when you call banks for help. I would definitely recommend this bank to anyone local to our area.


Health Grade Components

FDIC Certificate #8772
Year Established1911
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD12.3%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$381.5MM$378.5MM
LoansQ2 2022vs Q2 2021$205.0MM$184.2MM
DepositsQ2 2022vs Q2 2021$300.5MM$287.3MM
Equity CapitalQ2 2022vs Q2 2021$42.1MM$53.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.3MM$2.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$902.00K$419.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Springfield State Bank Savings Account Rates

0.15%$100-Passbook Savings

Springfield State Bank Checking Account Rates

0.05%$1k-Advantage Checking
0.05%$2.5k-Advantage Plus Checking

Springfield State Bank CD Rates

1.01%$500-5 Year CD
0.80%$500-4 Year CD
0.65%$500-3 Year CD
0.40%$500-2 Year CD
0.35%$500-6 Month CD
0.35%$500-1 Year CD
0.35%$500-18 Month CD
0.15%$500-91 Day CD

Springfield State Bank IRA Rates

1.16%$500-3 Year IRA
1.06%$500-2 Year IRA
0.65%$500-18 Month IRA
0.40%$500-1 Year IRA

Springfield State Bank Locations
Bardstown Road Branch1060 Bardstown RoadSpringfield, KY 40069
Springfield State Bank125 E Main StSpringfield, KY 40069
Willisburg Branch2559 Main StreetWillisburg, KY 40078

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