Bank Comparison
Spiro State Bank vs Bank of New Madrid
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.03% | 13.65% |
| Equity / Assets | 11.57% | 13.39% |
Profitability
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| Return on Assets (ROA) | -0.29% | 1.83% |
| Return on Equity (ROE) | -2.37% | 13.67% |
| Net Interest Margin (NIM) | 3.80% | 4.36% |
| Yield on Earning Assets | 6.05% | 5.54% |
| Cost of Funds | 2.29% | 1.33% |
Asset quality
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| Texas Ratio | 0.42% | 0.40% |
| Non-Performing Loan Ratio | 0.03% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 0.00% |
| Net Charge-Off Ratio | 0.11% | 0.05% |
| ACL / Loans | 0.91% | 1.46% |
Balance sheet
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| Total Assets | $123,275K | $123,241K |
| Total Deposits | $108,698K | $106,474K |
| Total Loans | $73,442K | $60,783K |
| Total Equity | $14,257K | $16,504K |
| Net Income (quarter) | $-85 | $564 |
Liquidity & funding
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| Loan-to-Deposit Ratio | 67.57% | 57.09% |
| Core Deposit Ratio | 92.69% | 83.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Spiro State Bank | Bank of New Madrid |
|---|---|---|
| Headquarters City | SPIRO | NEW MADRID |
| Headquarters State | OK | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 27 | 24 |
| Established | May 15, 1950, midnight | Jan. 1, 1933, 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.
View full Spiro State Bank profile | View full Bank of New Madrid profile | Browse all bank comparisons