Spiro State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 130.23 percentage points lower than in Q1 2026, at 115.03%. Within Oklahoma, Spiro State Bank is 67th of 169 on loan-to-deposit ratio, 82.94% as of Q2 2026, above the middle of the field. At 82.94%, Spiro State Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.8M |
| Net loans and leases | $86.1M |
| Loans held for sale | $0 |
| Loans to total assets | 66.82% |
| Loan-to-deposit ratio | 82.94% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.96% |
| Multifamily (5+ residential) | 5.01% |
| Commercial and industrial | 47.32% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 0.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.03% |
| Construction concentration (Tier 1 capital + allowance) | 52.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.22% |
| Interest income on loans | $1.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.4M | $55.0M | 7.56% | 23.44% | 10.67% |
| Q4 2023 | $10.4M | $53.6M | 7.52% | 23.33% | 11.02% |
| Q1 2024 | $10.3M | $57.2M | 7.24% | 23.27% | 12.30% |
| Q2 2024 | $11.9M | $58.3M | 6.15% | 34.58% | 11.51% |
| Q3 2024 | $15.4M | $57.9M | 7.90% | 33.86% | 10.79% |
| Q4 2024 | $30.7M | $66.9M | 22.73% | 45.12% | 5.29% |
| Q1 2025 | $38.3M | $73.0M | 23.38% | 40.55% | 3.83% |
| Q2 2025 | $47.9M | $81.5M | 21.99% | 45.01% | 2.97% |
| Q3 2025 | $57.5M | $87.4M | 25.48% | 42.36% | 2.43% |
| Q4 2025 | $71.8M | $101.9M | 21.92% | 40.99% | 1.82% |
| Q1 2026 | $73.4M | $108.7M | 17.31% | 40.64% | 1.78% |
| Q2 2026 | $86.8M | $104.7M | 17.96% | 47.32% | 1.52% |
Spiro State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiro State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spiro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16908) · FFIEC NIC profile (RSSD 397858)