Longview, TX · Cert 22526 · Spring Hill Holdings Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 2.3% share · #14 of 25 inst. · $0.2B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.36% | 1.35% | 1.48% | 1.55% | 1.58% | 1.35% | 1.51% | +3 bps | |
| Return on Equity | 8.84% | 9.45% | 9.31% | 10.15% | 10.40% | 10.36% | 8.49% | 9.11% | -104 bps | |
| Net Interest Margin | 4.03% | 4.00% | 4.16% | 4.28% | 4.53% | 4.59% | 4.67% | 4.73% | +45 bps | |
| Efficiency Ratio | 58.86% | 56.54% | 57.52% | 56.24% | 54.91% | 56.63% | 61.35% | 59.27% | +303 bps | |
| Non-Interest Burden | 2.20% | 2.07% | 2.22% | 2.24% | 2.34% | 2.45% | 2.73% | 2.63% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 6.32% | 8.21% | 3.64% | 3.28% | 4.30% | -3.89% | -3.97% | -761 bps | |
| Loan Growth (YoY) | 2.16% | 2.23% | -0.06% | 2.27% | 1.33% | 2.56% | 3.49% | -0.52% | -279 bps | |
| Deposit Growth (YoY) | 0.83% | 3.24% | 6.14% | 3.41% | 2.87% | 4.03% | -8.87% | -8.80% | -1,221 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.62% | 0.78% | 0.66% | 0.47% | 0.77% | 1.11% | 0.94% | +29 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.26% | 0.02% | 0.36% | 0.82% | 0.24% | 0.11% | -0.03% | -39 bps | |
| Allowance / Loans | 2.23% | 2.26% | 2.37% | 2.22% | 2.10% | 2.09% | 2.15% | 2.17% | -5 bps | |
| Allowance Coverage of NPLs | 6.2x | 3.6x | 3.0x | 3.4x | 4.4x | 2.7x | 1.9x | 2.3x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.39% | 14.61% | 14.86% | 14.68% | 15.08% | 15.36% | 16.40% | 16.65% | +198 bps | |
| Total Risk-Based Capital | 26.69% | 27.26% | 28.54% | 27.69% | 28.73% | 29.10% | 29.77% | 30.18% | +249 bps | |
| Equity / Assets | 14.21% | 14.66% | 14.43% | 14.75% | 15.07% | 15.43% | 16.41% | 16.68% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.25% | 92.44% | 86.67% | 91.50% | 90.87% | 91.13% | 98.42% | 99.82% | +831 bps | |
| Liquid Assets / Assets | 17.50% | 17.95% | 23.25% | 19.32% | 19.51% | 19.79% | 17.27% | 15.90% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 161.28% | 156.92% | 156.96% | n/a | n/a | |