Spring Hill State 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: 298.13 percentage points lower than in Q1 2026, at 340.35%. Spring Hill State Bank ranks 170th of 345 Texas banks on return on assets, in the upper half at 1.50% (Q2 2026). Spring Hill State Bank reported 1.50% on return on assets for Q2 2026, 0.25 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.91% |
| Tier 1 risk-based capital ratio | 28.91% |
| Total risk-based capital ratio | 30.18% |
| Tier 1 leverage ratio | 16.65% |
| Equity capital to assets | 16.68% |
| Tangible equity to tangible assets | 16.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.62% |
| Allowance for credit losses to loans | 2.17% |
| Reserve coverage of non-performing loans | 340.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 9.11% |
| Net interest margin | 4.79% |
| Efficiency ratio | 59.27% |
| Yield on earning assets | 6.41% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.82% |
| Core deposits to total deposits | 78.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.39% |
| Securities to assets | 3.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.90% | 23.90% | 25.17% | 13.98% | 1.31% |
| Q4 2023 | 24.51% | 24.51% | 25.79% | 14.32% | 1.32% |
| Q1 2024 | 25.14% | 25.14% | 26.41% | 14.75% | 1.39% |
| Q2 2024 | 24.71% | 24.71% | 25.98% | 14.72% | 1.37% |
| Q3 2024 | 25.42% | 25.42% | 26.69% | 14.39% | 1.25% |
| Q4 2024 | 25.98% | 25.98% | 27.26% | 14.61% | 1.36% |
| Q1 2025 | 27.27% | 27.27% | 28.54% | 14.86% | 1.37% |
| Q2 2025 | 26.42% | 26.42% | 27.69% | 14.68% | 1.47% |
| Q3 2025 | 27.46% | 27.46% | 28.73% | 15.08% | 1.55% |
| Q4 2025 | 27.83% | 27.83% | 29.10% | 15.36% | 1.57% |
| Q1 2026 | 28.50% | 28.50% | 29.77% | 16.40% | 1.38% |
| Q2 2026 | 28.91% | 28.91% | 30.18% | 16.65% | 1.50% |
Spring Hill State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Hill State 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 Hill State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22526) · FFIEC NIC profile (RSSD 457060)