🏦Bank Scorer

SPRING HILL STATE BANK

LONGVIEW, TX · Supervised by FDIC

Est. 1977FDIC #22,526RSSD: FDIC-22526
Part ofSPRING HILL HOLDINGS CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.35%

Institution Profile

FDIC BankFind

Address

3700 Gilmer Rd, LONGVIEW, TX

County

Gregg County

Established

September 19, 1977

Total Assets

$238M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$238M

Total Deposits

$187M

Net Loans

$180M

Net Income

$824K

ROA

1.35%

ROE

8.49%

Risk-Based Capital

29.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.91%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$205M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411172.97%9.91%
202313170.99%9.92%
202220971.77%10.05%
202112875.78%3.91%
202017875.84%7.30%
201914575.17%8.97%
201817375.72%10.98%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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