Spiro State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 2428.21 percentage points in Q2 2026, from 3350.00% to 921.79%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Spiro State Bank is 17th from the bottom among 169 Oklahoma banks, 0.33% (Q2 2026). Spiro State Bank's return on assets of 0.33% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.01% |
| Equity capital to assets | 19.20% |
| Tangible equity to tangible assets | 16.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.35% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 921.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 2.16% |
| Net interest margin | 4.21% |
| Efficiency ratio | 85.14% |
| Yield on earning assets | 6.33% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.94% |
| Core deposits to total deposits | 91.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.56% |
| Securities to assets | 17.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.11% | 0.62% | 3.23% | 0.01% | -0.04% |
| Q4 2023 | 11.15% | -0.01% | 3.28% | 0.00% | 0.00% |
| Q1 2024 | 12.66% | -1.43% | 0.84% | 0.00% | 0.00% |
| Q2 2024 | 15.36% | 0.71% | 5.10% | 0.00% | 0.00% |
| Q3 2024 | 15.51% | -0.54% | 5.30% | 0.01% | 0.04% |
| Q4 2024 | 13.66% | -0.71% | 5.31% | 0.00% | 0.03% |
| Q1 2025 | 12.72% | 0.28% | 4.94% | 0.00% | 0.00% |
| Q2 2025 | 12.50% | 0.30% | 5.38% | 0.02% | -0.01% |
| Q3 2025 | 11.82% | -0.37% | 4.71% | 0.08% | 0.06% |
| Q4 2025 | 11.29% | 0.30% | 4.78% | 0.09% | 0.01% |
| Q1 2026 | 9.03% | -0.29% | 3.80% | 0.03% | 0.11% |
| Q2 2026 | 17.01% | 0.33% | 4.21% | 0.09% | 0.01% |
Spiro State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiro State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)