Is Spring Hill State Bank Safe?
Spring Hill State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (71/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.71% | 100/100 |
| Nonperforming Loan Ratio | 0.19% | 96/100 |
| Liquidity Ratio | 22.74% | 71/100 |
| Return on Assets | 1.73% | 89/100 |
| Total Assets | $0.2B | |
How does Spring Hill State Bank compare?
With a Bank Health Score of 90/100, Spring Hill State Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Spring Hill State Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 24.71% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.19% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Spring Hill State Bank's Bank Health Score improved by 5.0 points to 90/100. Tier 1 capital strengthened by 0.82 percentage points to 24.71%. Quarter-over-quarter, the score rose by 4.0 points.
Spring Hill State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (71/100).