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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #457060 2026-Q1 Vital Signs Score: 90/100 — 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 Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -4
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 96.3%, cash 18.4% of assets.

Cash / Assets
18.38%
Loans / Deposits
96.30%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.56%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.50%, CET1 28.50%, leverage 16.40%.

Tier 1 RBC
28.50%
CET1
28.50%
Leverage
16.40%
No watch items at this period.

Asset Quality

StableQoQ -5
72
Sub-score

Asset quality is stable: Adjusted NPL 1.13%, Texas Ratio 4.7%, NCO YTD 0.11%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.11%
30-89 PD
2.90%
Band 0.3% / 3.0%
90+ PD
0.79%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
99
Sub-score

Reserves are strong: ALLL 2.15% of loans, coverage 194.6%, true coverage 194.6%.

ALLL / Loans
2.15%
Coverage
194.6%
True Loss Coverage
194.6%
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