Spring Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 50.89 percentage points higher than in Q1 2026, at 203.31%. Among 105 New York banks, Spring Bank sits 9th from the top on return on assets, 1.92% as of Q2 2026. Spring Bank's return on assets of 1.92% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.59% |
| Equity capital to assets | 13.88% |
| Tangible equity to tangible assets | 13.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 2.88% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 203.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 14.13% |
| Net interest margin | 4.07% |
| Efficiency ratio | 41.99% |
| Yield on earning assets | 6.56% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.15% |
| Core deposits to total deposits | 71.22% |
| Brokered deposits to total deposits | 21.36% |
| Deposits to assets | 85.68% |
| Securities to assets | 14.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.84% | 1.64% | 4.51% | 2.31% | 0.06% |
| Q4 2023 | 17.73% | 1.71% | 4.77% | 2.39% | 0.06% |
| Q1 2024 | 18.84% | 1.71% | 4.51% | 1.54% | 0.08% |
| Q2 2024 | 18.72% | 1.42% | 4.10% | 3.78% | 0.02% |
| Q3 2024 | 17.70% | 1.67% | 4.38% | 2.75% | 0.08% |
| Q4 2024 | 18.03% | 2.01% | 4.22% | 2.60% | 0.06% |
| Q1 2025 | 17.23% | 1.44% | 4.45% | 1.55% | 0.05% |
| Q2 2025 | 16.62% | 1.68% | 4.23% | 1.53% | 0.04% |
| Q3 2025 | 16.28% | 1.64% | 4.23% | 1.48% | 0.06% |
| Q4 2025 | 15.99% | 1.39% | 4.07% | 0.99% | 0.06% |
| Q1 2026 | 15.06% | 1.43% | 3.90% | 0.79% | 0.05% |
| Q2 2026 | 14.59% | 1.92% | 4.07% | 0.60% | 0.10% |
Spring Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58668) · FFIEC NIC profile (RSSD 3368925)