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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

$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