Springfield State Bank

Overview / Commentary
125 East Main Street
Springfield, KY 40069

Springfield State Bank is headquartered in SPRINGFIELD and is the 44th largest bank in the state of Kentucky. It is also the 2,054th largest bank in the nation. It was established in 1911 and as of September of 2023, it had grown to 41 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 - YTD1.07%
Return on Equity - YTD10.4%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$396.4MM$374.1MM
LoansQ3 2023vs Q3 2022$252.6MM$213.6MM
DepositsQ3 2023vs Q3 2022$307.7MM$299MM
Equity CapitalQ3 2023vs Q3 2022$39MM$37.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.7MM$2.4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$344K$848K
Real Estate OwnedQ3 2023vs Q3 2022$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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