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Spring Hill State Bank

IDRSSD: 457060
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2023-Q4QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #457060 2023-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 91.3%, cash 13.4% of assets.

Cash / Assets
13.35%
Loans / Deposits
91.31%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.86%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.51%, CET1 24.51%, leverage 14.32%.

Tier 1 RBC
24.51%
CET1
24.51%
Leverage
14.32%
No watch items at this period.

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 0.94%, Texas Ratio 4.5%, NCO YTD 0.52%.

Adjusted NPL
0.94%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.52%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.19% of loans, coverage 239.0%, true coverage 215.7%.

ALLL / Loans
2.19%
Coverage
239.0%
True Loss Coverage
215.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:48:23 UTC