Spring Bank is a state-chartered bank headquartered in Bronx, New York, in business for about 19 years. At the end of Q2 2026 it reported $641.0M in total assets and $549.1M in deposits, with 2 offices.
Spring Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 10th. Capital cushion contributes the most (96/100, 14.59%); funding & liquidity contributes the least (61/100, 82% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (77 → 85), mostly because the loan quality component improved by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 65 |
| Q4 2024 | 68 |
| Q1 2025 | 75 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 82 |
| Q1 2026 | 82 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.72% |
| Q3 2024 | 17.70% |
| Q4 2024 | 18.03% |
| Q1 2025 | 17.23% |
| Q2 2025 | 16.62% |
| Q3 2025 | 16.28% |
| Q4 2025 | 15.99% |
| Q1 2026 | 15.06% |
| Q2 2026 | 14.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.78% |
| Q3 2024 | 2.75% |
| Q4 2024 | 2.60% |
| Q1 2025 | 1.55% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.48% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.63% |
| Q4 2024 | 1.73% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $641.0M | 14.59% | 0.60% | 1.71% | 82.1% |
| Q1 2026 | 82 | $646.9M | 15.06% | 0.79% | 1.44% | 82.6% |
| Q4 2025 | 82 | $558.1M | 15.99% | 0.99% | 1.55% | 79.3% |
| Q3 2025 | 78 | $542.9M | 16.28% | 1.48% | 1.60% | 75.9% |
| Q2 2025 | 77 | $516.4M | 16.62% | 1.53% | 1.58% | 78.3% |
| Q1 2025 | 75 | $500.1M | 17.23% | 1.55% | 1.45% | 81.7% |
| Q4 2024 | 68 | $472.1M | 18.03% | 2.60% | 1.73% | 81.3% |
| Q3 2024 | 65 | $459.8M | 17.70% | 2.75% | 1.63% | 82.3% |
| Q2 2024 | 63 | $452.1M | 18.72% | 3.78% | 1.58% | 78.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Modern Bank, National AssociationBank New York, NY | 30 out of 100, Low | $648.5M | 9.6% | 5.60% | vs |
| Tioga State Bank National AssociationBank Spencer, NY | 71 out of 100, Strong | $625.2M | 11.4% | 1.00% | vs |
| Carver Federal Savings BankBank New York, NY | 23 out of 100, Low | $658.1M | 8.7% | 3.46% | vs |
| NewBankBank Flushing, NY | 58 out of 100, Moderate | $618.0M | 15.0% | 2.65% | vs |
| Empire State BankBank Staten Island, NY | 59 out of 100, Moderate | $617.8M | 10.1% | 0.91% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |
Deposit insurance
Is my money safe at Spring Bank?
Yes. Spring Bank is an FDIC-insured institution (FDIC certificate #58668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($168.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Spring Bank lists 2 offices in 2 cities. Most locations:
- Bronx, NY (1)
- Brooklyn, NY (1)
Identity & history
Profile
- Legal name
- Spring Bank
- Former names
- CheckSpring Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58668
- RSSD ID
- 3368925
- Primary regulator
- FDIC
- Holding company
- Checkspring Community Corp
- Established
- October 26, 2007
- Headquarters
- 69 E 167th St, Bronx, NY 10452
- Website
- www.spring.bank
- Employees
- 47
Quick answers
Spring Bank: common questions
Is Spring Bank FDIC insured?
Yes. Spring Bank is an FDIC-insured institution (FDIC certificate #58668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Spring Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Spring Bank ever failed?
There is no failure record for FDIC certificate #58668 in the FDIC failed bank list.
How many branches does Spring Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bronx
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |