Spiro State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spiro State Bank of Spiro, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.33% | 1.35% | -1.02% | 9th bottom |
| ROAE | 2.16% | 13.32% | -11.16% | 8th bottom |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 85.14% | 61.13% | +24.01% | 9th bottom |
| PPNR / Avg Assets | 0.49% | 1.68% | -1.19% | 8th bottom |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 45th below |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 921.79% | 1546.21% | -624.42% | 81st top |
| Texas Ratio | 0.35% | 7.34% | -6.99% | 83rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 595.24% | 1395.02% | -799.78% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.01% | 12.14% | +4.87% | 93rd top |
| Equity / Assets | 19.20% | 11.36% | +7.84% | 96th top |
| TCE / Tangible Assets | 16.87% | 11.08% | +5.79% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.94% | 80.66% | +2.28% | 45th below |
| Core Deposit Ratio | 91.90% | 86.85% | +5.05% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 35.48% | 6.84% | +28.64% | 98th top |
| Loan Growth (Y/Y) | 81.08% | 7.91% | +73.17% | 100th top |
| Deposit Growth (Y/Y) | 28.48% | 6.29% | +22.19% | 97th top |
See Spiro State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spiro State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spiro State Bank profile, how to read a UBPR, or how this data updates.