Spring Hill State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.22 percentage points lower than in Q1 2026, at 111.10%. On loan-to-deposit ratio, Spring Hill State Bank ranks 17th highest among the 346 banks headquartered in Texas, at 99.82% (Q2 2026). Spring Hill State Bank reported 99.82% on loan-to-deposit ratio for Q2 2026, 18.98 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.6M |
| Net loans and leases | $182.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.24% |
| Loan-to-deposit ratio | 99.82% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.86% |
| Multifamily (5+ residential) | 1.65% |
| Commercial and industrial | 5.88% |
| Consumer | 6.37% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.10% |
| Construction concentration (Tier 1 capital + allowance) | 31.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $180.5M | $198.2M | 20.95% | 10.88% | 8.09% |
| Q4 2023 | $177.8M | $190.5M | 20.62% | 10.93% | 7.92% |
| Q1 2024 | $178.2M | $193.6M | 20.40% | 10.33% | 7.95% |
| Q2 2024 | $183.4M | $198.2M | 21.66% | 9.83% | 7.61% |
| Q3 2024 | $184.4M | $199.9M | 21.61% | 9.39% | 7.92% |
| Q4 2024 | $181.8M | $196.7M | 21.27% | 9.22% | 7.37% |
| Q1 2025 | $178.1M | $205.5M | 22.06% | 7.95% | 7.03% |
| Q2 2025 | $187.6M | $205.0M | 23.18% | 6.86% | 7.30% |
| Q3 2025 | $186.8M | $205.6M | 22.99% | 6.40% | 7.13% |
| Q4 2025 | $186.5M | $204.6M | 23.63% | 6.42% | 6.84% |
| Q1 2026 | $184.3M | $187.3M | 24.05% | 6.26% | 6.52% |
| Q2 2026 | $186.6M | $186.9M | 24.86% | 5.88% | 6.37% |
Spring Hill State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Hill State Bank, freeSource: Call Report Schedule RC-C, 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)