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
Unfavorable gap of $6.4M · efficiency ratio beats 59% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.87% | 1.20% | 1.65% | Beats 67% | 69 / 211 | | |
| Return on Equity | 8.66% | 7.52% | 11.67% | 14.58% | Beats 35% | 137 / 211 | | |
| Net Interest Margin | 4.69% | 3.28% | 3.82% | 4.31% | Beats 88% | 25 / 211 | | |
| Efficiency Ratio | 60.30% | 53.01% | 64.18% | 73.65% | Beats 59% | 87 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.01% | 0.30% | 1.10% | Beats 29% | 149 / 208 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.06% | Beats 24% | 160 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 28.91% | 11.72% | 14.45% | 19.57% | Beats 88% | 26 / 211 | | |
| Total Risk-Based Capital Ratio | 30.18% | 11.94% | 14.78% | 20.30% | Beats 88% | 25 / 211 | | |
| Equity / Assets | 16.68% | 9.41% | 11.06% | 12.94% | Beats 90% | 21 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.82% | 45.39% | 66.56% | 82.03% | 98th pctl | 5 / 208 | | |
| Loans / Assets | 78.24% | 39.13% | 56.90% | 70.46% | 91st pctl | 20 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |