Bank call report · Spiro, OK
Spiro State Bank Call Report
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Spiro State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 226 reported line items, schedule by schedule (456 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 397858 |
| FDIC certificate number | 16908 |
| Total assets | $129.9M |
Official Q2 2026 call report PDF (FFIEC) →
Spiro State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Spiro State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $129.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $129.9M |
| Total Liabilities and Minority Interest | RCON2948 | $105.0M |
| Total Deposits | RCON2200 | $104.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $86.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $86.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $83.0M |
| Total Equity Capital | RCON3210 | $24.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $24.9M |
| Surplus | RCON3839 | $24.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $22.2M |
| Deposits: Noninterest-bearing | RCON6631 | $21.7M |
| Interest-bearing Balances | RCON0071 | $7.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.9M |
| Intangible Assets | RCON2143 | $3.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.8M |
| Goodwill | RCON3163 | $2.7M |
| Federal Funds Sold | RCONB987 | $2.7M |
| Other Assets | RCON2160 | $1.2M |
| Common Stock | RCON3230 | $800K |
| Allowance for Loan and Lease Losses | RCON3123 | $719K |
| Other Liabilities, Total | RCON2930 | $303K |
| Undivided Profits and Capital Reserves | RCON3632 | -$218K |
| Accumulated Other Comprehensive Income | RCONB530 | $26K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Spiro State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.7M |
| Total Noninterest Expense | RIAD4093 | $2.3M |
| Net Interest Income | RIAD4074 | $2.2M |
| Salaries and Employee Benefits | RIAD4135 | $1.4M |
| Total Interest Expense | RIAD4073 | $1.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $755K |
| Other Noninterest Expense | RIAD4092 | $442K |
| Interest on Other Securities | RIAD4060 | $430K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $377K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $377K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $310K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $204K |
| Total Noninterest Income | RIAD4079 | $177K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $152K |
| Provision for Loan and Lease Losses | RIAD4230 | $125K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $125K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $110K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $86K |
| Other Noninterest Income | RIADB497 | $66K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $64K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $63K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $60K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $57K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $22K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $22K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $21K |
| Net Income (Loss) | RIAD4340 | $21K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $21K |
| Income from Lease Financing Receivables | RIAD4065 | $14K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $8K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $7K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $6K |
| Applicable Income Taxes | RIAD4302 | $1K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 28 |
Schedule RC-B: Securities (13 items)
About Schedule RC-B · Spiro State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $22.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $16.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $16.5M |
| Pledged Securities | RCON0416 | $8.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $7.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $3.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $2.7M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.5M |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Spiro State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $86.8M |
| Commercial and Industrial Loans | RCON1766 | $41.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $35.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $12.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $11.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $9.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $9.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $9.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $8.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $7.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $6.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $6.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $915K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $857K |
| Real Estate Loans Secured by Farmland | RCON1420 | $752K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $706K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $703K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $618K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $244K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $174K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $24K |
| Other Loans | RCONJ464 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $5.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $947K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $543K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $392K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $305K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $203K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $174K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $61K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $6K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 10 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 6 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Spiro State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $77.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $72.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $36.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $31.0M |
| Total Transaction Accounts | RCON2215 | $27.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $23.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $22.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $22.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $22.0M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $21.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $14.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $8.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $8.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $8.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $6.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
| Total reciprocal deposits | RCONJH83 | $500K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $467K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Spiro State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $127.6M |
| Quarterly Average of Total Loans | RCON3360 | $79.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $37.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $34.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $31.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $31.8M |
| All Other Securities | RCONB560 | $19.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $11.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $10.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $8.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $2.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.3M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $249K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Spiro State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $10.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.5M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $11K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Spiro State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.8M |
| All other intangible assets | RCONJF76 | $921K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · Spiro State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $78K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $57K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $30K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $20K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $17K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $13K |
| Additions to Nonaccrual Assets | RCONC410 | $1K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Spiro State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $127.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $105.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $68.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $33.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $21.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,564 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 78 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 59 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Spiro State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $129.9M |
| Average total consolidated assets | RCOAKW03 | $127.6M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $123.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $25.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $24.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $21.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $21.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $21.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $12.5M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $12.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $3.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.7M |
| Unconditionally Cancellable Commitments | RCOAS540 | $1.5M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $700K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $442K |
| Retained Earnings | RCOAKW00 | -$218K |
| Accumulated Other Comprehensive Income | RCOAB530 | $26K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | $26K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1701 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0962 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $24.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $14.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $14.4M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $10.7M |
| Other Comprehensive Income | RIADB511 | -$210K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Spiro State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $21K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $20K |
| Charge-offs on Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 4645, 4646, and 4644 | RIAD5409 | $20K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Spiro State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $719K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $615K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $21K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $10.7M |
Spiro State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Spiro State Bank call report?
The Spiro State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Spiro State Bank file?
Spiro State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Spiro State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Spiro State Bank has Federal Reserve RSSD ID 397858 and FDIC certificate number 16908. Either one finds its filings on the FFIEC Central Data Repository.
How often does Spiro State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Spiro State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16908) · FFIEC NIC profile (RSSD 397858)