Spiro State Bank
Spiro, OK
IDRSSD: 397858
Total Assets
$116.56M
Latest filing
Total Deposits
$101.85M
Latest filing
Net Interest Margin
4.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103109772SPIRO, OK
Key People
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Locations
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Main Office
Spiro State Bank
1008 W Broadway St
Spiro, OK 74959
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/15/1950FDIC Certificate 10994
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Spiro State Bank (Main) | 1008 W Broadway St | Spiro, OK |
| TALIHINA BRANCH | 408 Dallas St | Talihina, OK |
| SPIRO STATE BANK BRANCH | 9175 S Yale Ave | Tulsa, OK |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/15/1950 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74959 |
| State and County Number | 40079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/15/1950 |
| Primary Insurance Agency | DIF |
| Website | www.spirostatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 16908 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $116.56M |
| Total Deposits | $101.85M |
| Total Liabilities | $102.13M |
| Total Equity Capital | $14.44M |
| Net Income | $72.00k |
| Net Loans and Leases | $71.23M |
| Assets Per Employee ($Millions) | $4.48M |
| Bank Premises and Fixed Assets | $2.85M |
| Cash and Balances due from Depository Institutions | $11.79M |
| Deposits Held in Domestic Offices | $101.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.26% |
| Return on Equity (ROE) | 2% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 106.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.385% |
| Earning Assets to total Assets | 89.99% |
Income and Expense
| Total Interest Income | $1.54M |
| Total Noninterest Income | $76.00k |
| Total Interest Expense | $550.00k |
| Total Noninterest Expense | $1.17M |
| Net Interest Income | $988.00k |
| Pre-tax Net Operating Income | $-183,000 |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $274.00k |
| Total Liabilities and Capital | $116.56M |
Securities
| Securities | $21.02M |
| Available-for-sale debt securities | $21.02M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Spiro State Bank?
$116.56M as of the latest filing.
How much are Spiro State Bank's total deposits?
$101.85M in total deposits.
Where is Spiro State Bank located?
Spiro, OK.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
3.
When was it established?
05/15/1950.
What is the Return on Assets (ROA)?
0.26%.
How much are total loans and leases?
$71.23M (latest filing).
What is the total interest income (latest filing)?
$1.54M.