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Spring Hill State Bank

Longview, TX · Cert 22526 · Spring Hill Holdings Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Spring Hill State Bank

Longview, TX · Cert 22526 · Spring Hill Holdings Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$238.5MAssets
$186.6MLoans
$186.9MDeposits
$39.8MEquity
Loan mix
87%RE $160.7M6%C&I $11.5M7%Consumer $12.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $134.6M28%Noninterest $52.3MQ2 2025Q2 2026

NIM

5.67%Q2 ’245.98%Q2 ’256.31%Q2 ’260%+13%

Non-interest income vs. expense

2.64%Q2 ’242.58%Q2 ’253.06%Q2 ’26-1%+22%

Market Position · Longview, TX · 2026 SOD (annual) · 2.3% share · #14 of 25 inst. · $0.2B of $8.0B

Executive Summary

  • Earnings: ROA of 1.42%, unchanged from a year ago; NIM at 4.69%.
  • Asset quality: problem loans at 0.94% of loans (+29 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 16.65%, up 198 bps from a year ago.
  • Funding: loans stand at 99.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%0 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+54 bps YoY

Efficiency Ratio (YTD, annualized)

60.30%+343 bps YoY

Tier 1 Leverage Ratio

16.65%+198 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.47%1.50%1.35%1.42%0 bps
Return on Equity9.73%9.96%10.06%8.49%8.80%-93 bps
Net Interest Margin4.15%4.28%4.34%4.67%4.69%+54 bps
Efficiency Ratio56.86%56.18%56.30%61.35%60.30%+343 bps
Non-Interest Burden2.19%2.24%2.29%2.73%2.67%+48 bps
Growth
Asset Growth (YoY)3.64%3.28%4.30%-3.89%-3.97%-761 bps
Loan Growth (YoY)2.27%1.33%2.56%3.49%-0.52%-279 bps
Deposit Growth (YoY)3.41%2.87%4.03%-8.87%-8.80%-1,221 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.47%0.77%1.11%0.94%+29 bps
Net Charge-Offs / Loans0.19%0.40%0.36%0.11%0.04%-15 bps
Allowance / Loans2.22%2.10%2.09%2.15%2.17%-5 bps
Allowance Coverage of NPLs3.4x4.4x2.7x1.9x2.3x-1.1x
Capital
Tier 1 Leverage Ratio14.68%15.08%15.36%16.40%16.65%+198 bps
Total Risk-Based Capital27.69%28.73%29.10%29.77%30.18%+249 bps
Equity / Assets14.75%15.07%15.43%16.41%16.68%+194 bps
Liquidity & Funding
Loans / Deposits91.50%90.87%91.13%98.42%99.82%+831 bps
Liquid Assets / Assets19.32%19.51%19.79%17.27%15.90%-342 bps
CRE / Total Capitaln/a161.28%156.92%156.96%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Spring Hill State Bank

Longview, TX · Cert 22526 · Peer group: banks under $1B in assets in TX (n=208-211) · Spring Hill Holdings Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$238.5MAssets
$186.6MLoans
$186.9MDeposits
$39.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in TX (rank 21 of 211).
  • Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets in TX (rank 160 of 208).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.44%

Rank 69 of 211

Net Interest Margin

4.69%

Rank 25 of 211

Efficiency Ratio

60.30%

Rank 87 of 211

Equity / Assets

16.68%

Rank 21 of 211

Non-interest income vs. expense

$0.9M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 59% of banks under $1B in assets in TX
Bank 60.30%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.87%1.20%1.65%Beats 67%69 / 211
Return on Equity8.66%7.52%11.67%14.58%Beats 35%137 / 211
Net Interest Margin4.69%3.28%3.82%4.31%Beats 88%25 / 211
Efficiency Ratio60.30%53.01%64.18%73.65%Beats 59%87 / 211
Asset Quality
Nonperforming Loans / Loans0.94%0.01%0.30%1.10%Beats 29%149 / 208
Net Charge-Offs / Loans0.07%0.00%0.01%0.06%Beats 24%160 / 208
Capital
Tier 1 Capital Ratio28.91%11.72%14.45%19.57%Beats 88%26 / 211
Total Risk-Based Capital Ratio30.18%11.94%14.78%20.30%Beats 88%25 / 211
Equity / Assets16.68%9.41%11.06%12.94%Beats 90%21 / 211
Liquidity & Funding
Loans / Deposits99.82%45.39%66.56%82.03%98th pctl5 / 208
Loans / Assets78.24%39.13%56.90%70.46%91st pctl20 / 211
Brokered Deposits / Depositsn/aNot reported for this institution