SPRING BANK

BRONX, NY | Medium | Est. Oct. 26, 2007, midnight | FDIC #58668 | RSSD #3368925 | FDIC
Latest Report: 2025-12-31

SPRING BANK is amn medium FDIC-insured commercial bank headquartered in BRONX, NY, established in Oct. 26, 2007, midnight. As of 2025-12-31, the bank reported total assets of $558M and total deposits of $472M. Profitability stands at 1.40% ROA and 9.26% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 15.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 4.21%. FDIC Certificate #58668.

Assets

$558M

Deposits

$472M

Loans

$379M

Equity

$84M

Profitability

Return on Assets (ROA) 1.40%
Return on Equity (ROE) 9.26%
Net Interest Margin (NIM) 4.45%
Yield on Assets 7.13%
Cost of Funds 2.92%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio 0.05%
Texas Ratio 4.21%
NPA Ratio 0.67%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 15.10%
Tier 1 Capital 15.10%
Total Capital Ratio 15.85%
Leverage Ratio 15.99%
Loan-to-Deposit 80.28%

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