BanksSPIRO STATE BANK

SPIRO STATE BANK

SPIRO, OKSmallEst. May 15, 1950, midnightFDIC #16908RSSD #397858FDIC
Latest · 2025-12-31

SPIRO STATE BANK is an 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%. CET1 capital ratio: 9.50%. NPL ratio: 0.09% · Texas Ratio: 0.43%. Operates 3 domestic branches.

Assets
$117M
Deposits
$102M
Loans
$72M
Equity
$14M

Profitability

Return on Assets (ROA)0.26%
Return on Equity (ROE)2.00%
Net Interest Margin3.93%
Yield on Assets6.12%
Cost of Funds2.32%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.01%
Texas Ratio0.43%
NPA Ratio0.06%
ACL / Loans0.86%

Capital & Liquidity

CET1 Ratio9.50%
Tier 1 Capital9.50%
Total Capital Ratio9.98%
Leverage Ratio11.29%
Loan-to-Deposit70.54%

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