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Spring Bank
Bronx, NY · FDIC Certificate #58668 · Chartered 10/2
Total assets
$640.95M
Total deposits
$549.15M
Total equity
$89.00M
Net loans
$451.12M
Branches (offices)
2
Net income (YTD)
$5.26M
Rank: #1,477 of 4,213 U.S. banks by assets · #69 of 115 in New York. Assets changed 24.1% and deposits 27.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 12.16% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 13.88% |
| Tier 1 leverage ratio | 14.59% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 82.1% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $424.76M | 94.2% | |
| Commercial & industrial | $32.85M | 7.3% | |
| Consumer / individual | $1.39M | 0.3% | |
| Construction & development | $36.36M | 8.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $355.83M | $290.47M | $1.51M | $39.12M |
| Jun 2023 | $368.48M | $315.52M | $3.53M | $48.77M |
| Jun 2024 | $452.14M | $347.01M | $3.40M | $75.23M |
| Jun 2025 | $516.44M | $430.24M | $3.91M | $79.21M |
| Jun 2026 | $640.95M | $549.15M | $5.26M | $89.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $549.15M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $549.15M.
Similar-sized banks
Bank & Trust Company ($641.34M) · Woodlands Bank ($640.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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