SPIRO STATE BANK

Latest Report: 2025-12-31

SPIRO STATE BANK is asn small FDIC-insured commercial bank headquartered in SPIRO, OK, established in May 15, 1950, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $102M. Profitability stands at 0.26% ROA and 2.00% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 7.26%. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.43%. FDIC Certificate #16908.

Assets

$117M

Deposits

$102M

Loans

$72M

Equity

$14M

Profitability

Return on Assets (ROA) 0.26%

Return on Equity (ROE) 2.00%

Net Interest Margin (NIM) 3.93%

Yield on Assets 6.12%

Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.09%

Net Charge-Off Ratio 0.01%

Texas Ratio 0.43%

NPA Ratio 0.06%

ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 7.26%

Tier 1 Capital 7.26%

Total Capital Ratio 7.62%

Leverage Ratio 11.29%

Loan-to-Deposit 70.54%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history

Excel tearsheet exports

Peer benchmarking

Risk & failure probability

Create Free Account

No credit card required