Spring Hill State Bank
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Data as of · sourced from FFIEC call reports. How we update
Spring Hill State Bank is an FDIC-insured commercial bank headquartered in Longview, TX, established in 1977 (FDIC certificate 22526), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $238.5M, down 4.0% from Q2 2025, the 239th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 28.91% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22526
- Headquarters
- Longview, TX
- Established
- 1977
- Total assets, Q2 2026
- $238.5M
- Assets vs Q2 2025
- -4.0%
- CET1 ratio, Q2 2026
- 28.91%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111907429
- Holding company
- SPRING HILL HOLDINGS CORPORATION
- Asset rank in state
- 239th of 346 in Texas
Spring Hill State Bank carries far more capital than most banks of its size. Based in Longview, Texas, it had $238 million in assets at June 30, 2026, down 4.0% from a year earlier. It holds common equity equal to 28.91% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 8.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
The balance sheet shrank over the year: over the year loans fell 0.5% and deposits fell 8.8%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.66% a year earlier. One more trend to watch: delinquency has appeared in its $32 million non-owner-occupied commercial real estate book: 1.10% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Spring Hill State Bank reported a CET1 capital ratio of 28.91%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 4.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Spring Hill State Bank is the 239th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 1.2% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.8% of total loans, followed by non-owner-occupied commercial real estate loans at 17.1%. The FDIC Summary of Deposits lists 2 offices for it, in Longview, TX. By the capital ratios in its Q2 2026 call report, Spring Hill State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3700 Gilmer Rd, Longview, TX 75604
- County
- Gregg
- Metro Area
- Longview, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 19, 1977
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $186.9M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $239.4M
- Average total loans
- $186.6M
- Average interest-bearing deposits
- $132.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 19, 1977
- FDIC Cert
- 22526
- Fed RSSD
- 457060
- Website
- https://www.springhillbank.com →
- Parent Holding Company
- SPRING HILL HOLDINGS CORPORATION (RSSD 2693929)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Spring Hill State Bank's total assets ranged from $225.1M (Q4 2023) to $249.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$238.5M total assets against $248.4M; $198.7M total liabilities against $211.7M.
$182.5M net loans and leases against $183.4M; $186.9M total deposits against $205.0M.
$9.4M securities against $7.4M; $41.0M cash and balances due against $51.6M.
$3.8M total interest income against $3.8M; $959K total interest expense against $1.2M.
$2.8M net interest income against $2.7M.
$256K total noninterest income against $241K; $1.8M total noninterest expense against $1.6M.
$116K provision for credit losses against $111K.
$899K net income against $919K.
1.50% return on assets against 1.47%; 4.79% net interest margin against 4.34%.
28.91% CET1 capital ratio against 26.42%; 16.65% tier 1 leverage ratio against 14.68%.
Inside the full Spring Hill State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSpring Hill State Bank rankings
Its closest position to the top of a national ranking is 96 of 2,134, for CET1 ratio; its furthest is 2,766 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q3 2024) to 1.57% (Q4 2025) and its net interest margin ran from 4.07% (Q4 2024) to 4.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.91% | 1.50% | 0.94% | 4.15% | 4.79% |
| Q1 2026 | 28.50% | 1.38% | 1.11% | 4.75% | 4.74% |
| Q4 2025 | 27.83% | 1.57% | 0.77% | 3.42% | 4.66% |
| Q3 2025 | 27.46% | 1.55% | 0.47% | 2.16% | 4.61% |
| Q2 2025 | 26.42% | 1.47% | 0.66% | 3.05% | 4.34% |
| Q1 2025 | 27.27% | 1.37% | 0.78% | 3.50% | 4.23% |
| Q4 2024 | 25.98% | 1.36% | 0.62% | 2.91% | 4.07% |
| Q3 2024 | 25.42% | 1.25% | 0.36% | 1.75% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spring Hill State Bank (main office) | Longview , TX | 75604 | $168.8M |
| Spring Hill State Bank Hollybrook | Longview , TX | 75605 | $18.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 301 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Spring Hill State Bank
What are Spring Hill State Bank's total assets?
As of the Q2 2026 filing, Spring Hill State Bank reported total assets of $238.5 million in its FFIEC call report.
Where is Spring Hill State Bank headquartered?
It is headquartered in Longview, TX, United States.
When was Spring Hill State Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Spring Hill State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spring Hill State Bank?
Spring Hill State Bank's primary federal regulator is the FDIC.
What is Spring Hill State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Spring Hill State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spring Hill State Bank's Texas Ratio?
Its Texas Ratio is 4.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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