SPRING HILL STATE BANK

LONGVIEW, TX | Small | Est. Sept. 19, 1977, midnight | FDIC #22526 | RSSD #457060 | FDIC
Latest Report: 2025-12-31

SPRING HILL STATE BANK is asn small FDIC-insured commercial bank headquartered in LONGVIEW, TX, established in Sept. 19, 1977, midnight. As of 2025-12-31, the bank reported total assets of $250M and total deposits of $205M. Profitability stands at 1.58% ROA and 10.36% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 27.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 1.37%. FDIC Certificate #22526.

Assets

$250M

Deposits

$205M

Loans

$186M

Equity

$39M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 10.36%
Net Interest Margin (NIM) 5.00%
Yield on Assets 6.89%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.36%
Texas Ratio 1.37%
NPA Ratio 0.23%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 27.83%
Tier 1 Capital 27.83%
Total Capital Ratio 29.10%
Leverage Ratio 15.36%
Loan-to-Deposit 91.13%

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