How NCF Savings Bank is supporting Springfield’s growth

NCF Savings Bank is defined by its community banking model and its investments in the county. The institution has built its reputation on personalized service, local decision-making, and a steadfast commitment to serving local people and organizations. As of September 2025, NCF had roughly $310 million in assets, reflecting steady growth and a strong financial foundation.

For context, community banks focus on providing traditional banking services in their local communities, according to the Federal Deposit Insurance Corporation (FDIC). They obtain most of their core deposits locally and make many of their loans to local businesses. For this reason, they are often considered to be “relationship” bankers as opposed to “transactional” bankers. Because of this dynamic, community banks tend to base credit decisions on local knowledge and nonstandard data gathered over time.

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