Spring Hill State Bank: how it compares with its peers
Against 136 TX banks with half to twice its assets, Spring Hill State Bank's strongest measure in Q2 2026 is net interest margin (4.81% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.6M).
| Measure | Spring Hill State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.47% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.81% | 4.20% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.30% | 63.00% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.6M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.65% | 67.11% | Context |
What it means for lending operations
Its efficiency ratio of 60.30% is better than the 63.00% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Sterling City Sterling City, TX · $240M
- Cypress Bank, SSB Pittsburg, TX · $236M
- National Bank & Trust La Grange, TX · $242M
- The First National Bank of Anderson Anderson, TX · $230M
- Bridge City State Bank Bridge City, TX · $247M
- Muenster State Bank Muenster, TX · $227M
Questions about Spring Hill State Bank
How big is Spring Hill State Bank?
Spring Hill State Bank, established in 1977, is headquartered in Longview, TX. It reported $238M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Spring Hill State Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.47% median for 136 TX banks with half to twice its assets, ahead of 47% of them.
What is Spring Hill State Bank's efficiency ratio?
60.30% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is Spring Hill State Bank growing its loans?
Net loans shrank 0.5% over the year to Q2 2026, while deposits shrank 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.