Spiro State Bank
Spiro, OK
IDRSSD: 397858
Total Assets
$102.06M
Latest filing
Total Deposits
$87.42M
Latest filing
Net Interest Margin
4.34%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Spiro State Bank
1008 W Broadway St
Spiro, OK 74959
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Eufaula
Eufaula, Oklahoma
→
Assets: $95.78MΔ -0.1%
The State Exchange Bank
Lamont, Oklahoma
→
Assets: $95.29MΔ -0.6%
American Exchange Bank, Lindsay, Oklahoma
Lindsay, Oklahoma
→
Assets: $94.42MΔ -1.5%
American Exchange Bank
Henryetta, Oklahoma
→
Assets: $98.01MΔ +2.2%
Oklahoma Heritage Bank
Roff, Oklahoma
→
Assets: $98.17MΔ +2.4%
The First National Bank of Hooker
Hooker, Oklahoma
→
Assets: $90.69MΔ -5.4%
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 | 25 |
| 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 | 11/14/2025 |
| CERT | 16908 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $102.06M |
| Total Deposits | $87.42M |
| Total Liabilities | $87.66M |
| Total Equity Capital | $14.40M |
| Net Income | $-86,000 |
| Net Loans and Leases | $56.93M |
| Assets Per Employee ($Millions) | $4.25M |
| Bank Premises and Fixed Assets | $2.88M |
| Cash and Balances due from Depository Institutions | $12.66M |
| Deposits Held in Domestic Offices | $87.42M |
Key Performance Ratios
| Return on Assets (ROA) | -0.35% |
| Return on Equity (ROE) | -2.4% |
| Net Interest Margin | 4.34% |
| Efficiency Ratio | 97.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.107% |
| Earning Assets to total Assets | 88.51% |
Income and Expense
| Total Interest Income | $1.37M |
| Total Noninterest Income | $73.00k |
| Total Interest Expense | $424.00k |
| Total Noninterest Expense | $1.03M |
| Net Interest Income | $945.00k |
| Pre-tax Net Operating Income | $-84,000 |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.65M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $241.00k |
| Total Liabilities and Capital | $102.06M |
Securities
| Securities | $21.65M |
| Available-for-sale debt securities | $21.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$102.06M as of the latest filing.
How much are Spiro State Bank's total deposits?
$87.42M in total deposits.
Where is Spiro State Bank located?
Spiro, OK.
What is the Net Interest Margin?
4.34%.
How many domestic offices does it operate?
3.
When was it established?
05/15/1950.
What is the Return on Assets (ROA)?
-0.35%.
How much are total loans and leases?
$56.93M (latest filing).
What is the total interest income (latest filing)?
$1.37M.