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Spring Hill State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 22526

Longview, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -8.8% year over year ($186.9M on the books).
  • Delinquency rate 0.96%.
  • Return on assets 1.42%.
  • Efficiency ratio 60.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Spring Hill State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.82% above tier average
  • + Efficiency Ratio 4.18% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.3% in tier
  • - Liquidity Strain: Bottom 16.9% in tier
  • - Capital Constraint: Bottom 88.8% in tier
Get updates when Spring Hill State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $238.5M
-4.0% YoY +0.0% QoQ
-$148.1M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $182.5M
-0.5% YoY +1.2% QoQ
-$75.8M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $186.9M
-8.8% YoY -0.2% QoQ
-$139.8M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.42%
+0.0% YoY +5.3% QoQ
+0.10% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.81%
+9.4% YoY +1.6% QoQ
+0.82% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 11.8% in tier
Efficiency Ratio ? 60.30%
+6.0% YoY -1.7% QoQ
-4.18% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.96%
+43.5% YoY -14.6% QoQ
+0.05% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 97.65%
+9.1% YoY +1.4% QoQ
+19.69% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 12.9% in tier
Non-Interest-Bearing Deposit Share ? 27.98%
+10.1% YoY +2.4% QoQ
+5.95% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.76%
+52.2% YoY -11.3% QoQ
+0.09% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 28.91%
+9.4% YoY +1.4% QoQ
+13.00% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 4.6% in tier
Non-Interest Income / Assets ? 0.20%
+1.3% YoY +119.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 28.0%
+2.6pp YoY
+0.6pp QoQ
 +5.8pp 22.1% 29.2% 22.2% 76%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 6.0%
-1.0pp YoY
-0.4pp QoQ
 -5.5pp 11.6% 14.8% 12.5% 26%
CRE 34.6%
+1.2pp YoY
+0.6pp QoQ
 -4.9pp 39.5% 48.4% 41.4% 42%
1-4 Family 55.0%
+0.7pp YoY
0.0pp QoQ
 +22.4pp 32.6% 25.8% 31.3% 86%
Consumer 6.5%
-1.0pp YoY
-0.1pp QoQ
 +2.4pp 4.1% 4.7% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 28.9%
+2.5pp YoY
+0.4pp QoQ
 +10.1pp 18.8% 22.7% 19.7% 92%
Leverage Ratio 16.7%
+2.0pp YoY
+0.2pp QoQ
 +4.5pp 12.2% 12.6% 12.6% 92%
Total Capital Ratio 30.2%
+2.5pp YoY
+0.4pp QoQ
 +10.2pp 19.9% 23.8% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 46
0 YoY
+1 (+2.2%) QoQ
 -13 58 186 482 48%
Assets per Employee ($) $5.2M
-4.0% YoY
-2.1% QoQ
 -$2.3M $7.5M $10.1M $8.8M 17%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
-0.4pp QoQ
 +0.1pp 0.3% 0.3% 0.4% 80%
Nonaccrual 0.5%
0.0pp YoY
+0.2pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 55%
Allowance Coverage 2.30x
-31.8% YoY
+18.4% QoQ
 -21.85x 24.15x 18.82x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.8%
-0.9pp YoY
+0.3pp QoQ
 -3.4pp 12.2% 13.2% 11.6% 30%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 48%
Net Income ($, YTD) $1.7M
-1.2% YoY
— QoQ
 -$832K $2.6M $15.9M $40.4M 47%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#33 of 742 • Bottom 4.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 28.91%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 97.65%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Liquidity Strain

risk
#118 of 691 • Bottom 16.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.65%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#96 of 107 • Bottom 88.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 97.65%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 28.91%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

122
Tier 1 Capital Ratio
capital
Value: 28.91%
Peer Median: 15.91%
#122 of 2643 Top 4.6% in $100M-$1B
312
Net Interest Margin
profitability
Value: 4.81%
Peer Median: 3.99%
#312 of 2643 Top 11.8% in $100M-$1B
631
Non-Interest-Bearing Deposit Share
funding
Value: 27.98%
Peer Median: 22.03%
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2302
Loan-to-Deposit Ratio
liquidity
Value: 97.65%
Peer Median: 77.95%
#2302 of 2643 Bottom 12.9% in $100M-$1B
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