BlastPoint's Banking Scorecard
Spring Hill State Bank
Micro
Specialty: Commercial
TX
FDIC cert 22526
Designations: ✓ Community bank
Longview, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Spring Hill State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.98% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.7M
+4.3% YoY
-0.1% QoQ
|
+$32.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$182.6M
+2.7% YoY
-0.2% QoQ
|
+$43.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$204.6M
+4.0% YoY
-0.5% QoQ
|
+$21.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.50%
+11.7% YoY
+2.0% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.57%
+7.2% YoY
+1.6% QoQ
|
+0.72% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
56.30%
-2.3% YoY
+0.2% QoQ
|
-11.43% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.79%
+24.0% YoY
+63.0% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
89.23%
-1.2% YoY
+0.3% QoQ
|
+14.70% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
24.90%
-3.8% YoY
-1.2% QoQ
|
+2.50% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.58%
+21.9% YoY
+62.1% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
27.83%
+7.1% YoY
+1.3% QoQ
|
+18.98% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.36%
-14.6% YoY
+31.9% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.83%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 27.83% · Tier avg: 8.85%
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
78
78th pctile
Efficiency Ratio
Current: 56.30% · Tier avg: 67.73%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.23% · Tier avg: 74.53%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
69
69th pctile
Total Loans
Current: $182.6M · Tier avg: $139.2M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.90% · Tier avg: 22.39%
62
62th pctile
Total Assets
Current: $249.7M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $204.6M · Tier avg: $183.7M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
Top Weaknesses
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
61
61th pctile
Total Deposits
Current: $204.6M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $249.7M · Tier avg: $217.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.90% · Tier avg: 22.39%
69
69th pctile
Total Loans
Current: $182.6M · Tier avg: $139.2M
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.23% · Tier avg: 74.53%
78
78th pctile
Efficiency Ratio
Current: 56.30% · Tier avg: 67.73%
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.83% · Tier avg: 8.85%