Spring Hill State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spring Hill State Bank of Longview, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.35% | +0.15% | 63rd above |
| ROAE | 9.11% | 12.06% | -2.95% | 31st below |
| Net Interest Margin | 4.79% | 3.90% | +0.89% | 88th top |
| Efficiency Ratio | 59.27% | 63.15% | -3.88% | 56th above |
| PPNR / Avg Assets | 2.10% | 1.64% | +0.46% | 76th top |
| Yield on Earning Assets | 6.41% | 5.65% | +0.76% | 84th top |
| Cost of Funds | 1.97% | 1.85% | +0.12% | 39th below |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.92% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.67% | -0.15% | 37th below |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 2.17% | 1.28% | +0.89% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 340.35% | 1645.69% | -1305.34% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.62% | 7.15% | -2.53% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 500.00% | 1189.62% | -689.62% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.91% | 20.82% | +8.09% | 92nd top |
| Tier 1 Ratio | 28.91% | 20.86% | +8.05% | 92nd top |
| Total Capital Ratio | 30.18% | 21.93% | +8.25% | 92nd top |
| Leverage Ratio | 16.65% | 12.46% | +4.19% | 92nd top |
| Equity / Assets | 16.68% | 11.67% | +5.01% | 93rd top |
| TCE / Tangible Assets | 16.68% | 11.40% | +5.28% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.82% | 78.64% | +21.18% | 11th bottom |
| Core Deposit Ratio | 78.89% | 87.10% | -8.21% | 14th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.61% | 5.11% | -0.50% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.97% | 6.48% | -10.45% | 6th bottom |
| Loan Growth (Y/Y) | -0.52% | 7.64% | -8.16% | 21st bottom |
| Deposit Growth (Y/Y) | -8.80% | 6.03% | -14.83% | 3rd bottom |
See Spring Hill State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spring Hill State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spring Hill State Bank profile, how to read a UBPR, or how this data updates.