BlastPoint's Banking Scorecard

Spring Hill State Bank

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

Longview, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Spring Hill State Bank has 3 strengths but faces 5 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 0.08% above tier average
+ Net Interest Margin 0.80% above tier average
+ Efficiency Ratio 3.93% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.2% in tier
- Deposit Outflow: Bottom 22.1% in tier
- Credit Risk Growth: Bottom 25.2% in tier
- Liquidity Strain: Bottom 31.1% in tier
- Capital Constraint: Bottom 88.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$238.4M -3.9% YoY -4.5% QoQ	-$147.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$180.3M +3.7% YoY -1.2% QoQ	-$75.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$187.3M -8.9% YoY -8.5% QoQ	-$140.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.35% -0.3% YoY -9.7% QoQ	+0.08%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	4.73% +10.6% YoY +3.5% QoQ	+0.80%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 12.5% in tier
Efficiency Ratio ?	61.35% +6.7% YoY +9.0% QoQ	-3.93%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	1.13% +41.2% YoY +43.2% QoQ	+0.24%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	96.30% +13.8% YoY +7.9% QoQ	+19.66%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ?	27.34% +0.6% YoY +9.8% QoQ	+5.32%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.86% +52.0% YoY +47.8% QoQ	+0.22%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	28.50% +4.5% YoY +2.4% QoQ	+12.67%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 4.5% in tier
Non-Interest Income / Assets ?	0.09% -8.0% YoY -75.1% QoQ	-0.19%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (5)

Liquidity Overhang

risk

#32 of 739 • Bottom 4.2% 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: 28.50%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.30%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#113 of 506 • Bottom 22.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Risk Growth

risk

#246 of 973 • Bottom 25.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#201 of 643 • Bottom 31.1% 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: 96.30%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Constraint

risk

#96 of 108 • Bottom 88.0% 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: 96.30%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 28.50%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

120

Tier 1 Capital Ratio

capital

Value: 28.50%

Peer Median: 15.83%

#120 of 2664 Top 4.5% in $100M-$1B

334

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.93%

#334 of 2664 Top 12.5% in $100M-$1B

Top Weaknesses (2 metrics)

2308

Loan-to-Deposit Ratio

liquidity

Value: 96.30%

Peer Median: 76.64%

#2308 of 2664 Bottom 13.4% in $100M-$1B

2036

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.64%

#2036 of 2664 Bottom 23.6% in $100M-$1B