Bank Comparison
Community National Bank of Okarche vs Spiro State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.28% | 9.03% |
| Equity / Assets | 17.19% | 11.57% |
Profitability
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| Return on Assets (ROA) | -1.06% | -0.29% |
| Return on Equity (ROE) | -6.35% | -2.37% |
| Net Interest Margin (NIM) | 2.64% | 3.80% |
| Yield on Earning Assets | 4.38% | 6.05% |
| Cost of Funds | 2.09% | 2.29% |
Asset quality
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.42% |
| Non-Performing Loan Ratio | 0.00% | 0.03% |
| Non-Performing Asset Ratio | 0.00% | 0.02% |
| Net Charge-Off Ratio | 0.00% | 0.11% |
| ACL / Loans | 1.31% | 0.91% |
Balance sheet
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| Total Assets | $121,004K | $123,275K |
| Total Deposits | $99,911K | $108,698K |
| Total Loans | $43,236K | $73,442K |
| Total Equity | $20,797K | $14,257K |
| Net Income (quarter) | $-333 | $-85 |
Liquidity & funding
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 43.27% | 67.57% |
| Core Deposit Ratio | 65.83% | 92.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community National Bank of Okarche | Spiro State Bank |
|---|---|---|
| Headquarters City | Okarche | SPIRO |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 18233 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 16 | 27 |
| Established | May 18, 1984, midnight | May 15, 1950, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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