# SPRING HILL STATE BANK
LONGVIEW, TX · FDIC certificate 22526 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $238.5M | |
| Deposits | $186.9M | |
| Loans and leases | $186.6M | |
| Total equity | $39.8M | |
| Loans / deposits | 97.65% (p89 of band) | 73.59% |
| Liquid assets / assets | 21.14% (p25 of band) | |
| Uninsured deposits / deposits | 27.70% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.61% (p72 of band) | |
| FHLB advances / assets | 4.61% | |
| Tier 1 leverage | 16.65% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -0.25% (p86 of band) | -6.57% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.17% |
| Net interest margin | 4.81% (p86 of band) | 3.93% |
| Efficiency ratio | 60.30% (p36 of band) | |
| Noncurrent loans | 0.94% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 230.38% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 34.58% (p68 of band) | |
| Auto loans | $5.3M (2.86% of loans; DQ 2.12%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 0 |  | loans exceed deposits |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | assets shrinking |  |
| 2020-03 | 0 |  | assets shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 2 | charge-offs p90 |  |
| 2024-03 | 0 |  | deposits shrinking, charge-offs p90 |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 1 | capital falling | charge-offs p90 |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-05 [Business digest: Longtime Spring Hill State Bank president retires - Longview News-Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxOa25aVUNYVFlsZzByZk9ubUt4bGNHT3hXQlpoZUdPdnU3MVk2T0dJa0RPMFY5QjN0VGJ2UG5jMFgwS0Nzc200Sm9SZlFwQS1ja1luYVhuV1QwT2tqNU9kczRzeGl4VE92bExCcFVSSXJUQkNYUDlRMGFncDBtcUZDXzVYNC1adkFpX0ZtVEVSS2U2dHJrUS02T2NlZ1pjbWZqdUdGUA?oc=5) · Longview News-Journal
- 2014-12-08 [LeTourneau University listed among highest for private school student loan debt - KLTV.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSFp6a3pUSHBBTWwyQnI3SGlzX2w2a0dtTHZieThSZUt0c0pPYUVhaGMwdlppajIyQ0ZGOTVkd1ktN0tEaXh3X19zaXFwMW9CLUFXSFJDbGE5VkVfNjJUdzlWUlhRRG1NTE5HV090NVBYYkRhYmEzcmlld1dnQkFoM1hKSWEzQVJkbkVXaWNucVhvR2dfN1A4T1N0MEJwUFBELThtYXhKTVdRalVfYUtpcUJjVjIyTnc?oc=5) · KLTV.com
- 2023-02-25 [Lotte Willbanks - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNX1BGZ0pjMWsyMHkzdGtibmVhekVOcjFWUDBIdW9pZl80bm5jNURZcWVIejRDVFloY1R6OU1rUTFrdUdhMVhYNTlNTl9UaHNVYk9DM0JQNlVJT0d1eGdZaTdEbzVOeWIxcGdXMWRjbFg5bkxyeE9tWF9RYVE1czZTTUNiOUJvXzVCTnVvTUxRSVVBSjA?oc=5) · legacy.com
- 2026-03-19 [Judgments: March 1-7, 2026 - Longview News-Journal](https://news.google.com/rss/articles/CBMibkFVX3lxTE5weFlVSk1mUHRfaHVaZlZTbUk3RDNKUUhKaUNnTWFJeEFPZk9BT1BLd19KU0lwR0RlSHhENWwxZWVlLUx1TDByREowY2ZBelUxemxPSTZ3R29sVTFmQ0ZCUU5VTmtJZlgzYVVyMzB3?oc=5) · Longview News-Journal
- 2008-12-24 [Dillon Louis Perry - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOOGhGaEUxTml5d2dzaFplWDRsQlJMUmlLVHFQY1pIWkpUbTlHRkxuQTJWb3E4VnUwZWVsaEIzelVKLWp1R0JnR01nV3FZRDBEZzJLNFBjZVdtS0IzUXhFMnBiaThZRDZIajhJTzBfRWRJa0RBSl81dnVPU2c0ZlNVc1dYSzltM3U1ak9oVkpDRQ?oc=5) · legacy.com
- 2015-05-31 [Longfellows presents debutantes, junior attendants - Longview News-Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQNkQyVi1zUW01WE8zczhTMmR1YTNkSGNSTnlzOWEwQmhscXloeFJZaXZpelExSzFDZlBUQzg1OGlzMnZmZm5CR3o0ZEFhSVB5U0YwRTdfY3lmVWt2UHoxc0RPUGtSNTFlei03V1lfUzJsZ1lSLUhQWGR0VmFkTmMzQ292Z3JILXJPUHpaNGpXcw?oc=5) · Longview News-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22526 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "22526", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide