Spring Hill State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.28 percentage points in Q2 2026 to 16.68%, the biggest move on this page. Spring Hill State Bank ranks 31st of 184 Texas banks on CET1 ratio, in the upper half at 28.91% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Spring Hill State Bank reported 28.91% on CET1 ratio in Q2 2026, 13.84 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.91% |
| Tier 1 risk-based capital ratio | 28.91% |
| Total risk-based capital ratio | 30.18% |
| Tier 1 leverage ratio | 16.65% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $39.9M |
| Tier 1 capital | $39.9M |
| Total risk-based capital | $41.6M |
| Total equity capital | $39.8M |
| Risk-weighted assets | $137.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.68% |
| Tangible equity to tangible assets | 16.68% |
| Equity capital to average assets | 16.62% |
| Internal capital growth rate | 7.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $5.3M |
| Retained earnings | $33.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$78K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.90% | 23.90% | 25.17% | 13.98% | $134.3M |
| Q4 2023 | 24.51% | 24.51% | 25.79% | 14.32% | $133.3M |
| Q1 2024 | 25.14% | 25.14% | 26.41% | 14.75% | $132.6M |
| Q2 2024 | 24.71% | 24.71% | 25.98% | 14.72% | $137.5M |
| Q3 2024 | 25.42% | 25.42% | 26.69% | 14.39% | $136.0M |
| Q4 2024 | 25.98% | 25.98% | 27.26% | 14.61% | $135.5M |
| Q1 2025 | 27.27% | 27.27% | 28.54% | 14.86% | $131.6M |
| Q2 2025 | 26.42% | 26.42% | 27.69% | 14.68% | $138.8M |
| Q3 2025 | 27.46% | 27.46% | 28.73% | 15.08% | $137.0M |
| Q4 2025 | 27.83% | 27.83% | 29.10% | 15.36% | $138.3M |
| Q1 2026 | 28.50% | 28.50% | 29.77% | 16.40% | $137.3M |
| Q2 2026 | 28.91% | 28.91% | 30.18% | 16.65% | $137.9M |
Spring Hill State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Hill State Bank, freeSource: Call Report Schedule RC-R, 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 Hill State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22526) · FFIEC NIC profile (RSSD 457060)