BanksSPRING HILL STATE BANK

SPRING HILL STATE BANK

LONGVIEW, TXSmallEst. Sept. 19, 1977, midnightFDIC #22526RSSD #457060FDIC
Latest · 2025-12-31

SPRING HILL STATE BANK is an 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%. CET1 capital ratio: 27.83%, well above regulatory minimums. NPL ratio: 0.31% · Texas Ratio: 1.37%. Operates 2 domestic branches.

Assets
$250M
Deposits
$205M
Loans
$186M
Equity
$39M

Profitability

Return on Assets (ROA)1.58%
Return on Equity (ROE)10.36%
Net Interest Margin5.00%
Yield on Assets6.89%
Cost of Funds2.05%

Asset Quality

NPL Ratio0.31%
Net Charge-Off Ratio0.36%
Texas Ratio1.37%
NPA Ratio0.23%
ACL / Loans2.09%

Capital & Liquidity

CET1 Ratio27.83%
Tier 1 Capital27.83%
Total Capital Ratio29.10%
Leverage Ratio15.36%
Loan-to-Deposit91.13%

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