Spiro State Bank
Spiro, OK · Cert 16908 · Peer group: banks under $1B in assets in OK (n=88-89) · Prairie Bell Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$129.9MAssets
$86.8MLoans
$104.7MDeposits
$24.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks under $1B in assets in OK (rank 4 of 89).
- Widest gap: return on equity trails 92% of banks under $1B in assets in OK (rank 82 of 89).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.03%
Rank 82 of 89
Net Interest Margin
3.63%
Rank 59 of 89
Efficiency Ratio
93.93%
Rank 82 of 89
Equity / Assets
19.20%
Rank 4 of 89
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 9% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.85% | 1.26% | 1.60% | Beats 8% | 82 / 89 | | |
| Return on Equity | 0.17% | 7.40% | 11.89% | 14.65% | Beats 8% | 82 / 89 | | |
| Net Interest Margin | 3.63% | 3.46% | 3.93% | 4.45% | Beats 34% | 59 / 89 | | |
| Efficiency Ratio | 93.93% | 54.70% | 60.95% | 71.14% | Beats 9% | 82 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.30% | 0.82% | 2.25% | Beats 83% | 16 / 88 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.20% | Beats 52% | 43 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 17.01% | 10.89% | 13.00% | 16.33% | Beats 81% | 17 / 89 | | |
| Total Risk-Based Capital Ratio | 17.01% | 11.20% | 13.06% | 16.33% | Beats 78% | 20 / 89 | | |
| Equity / Assets | 19.20% | 9.26% | 10.94% | 13.52% | Beats 96% | 4 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.94% | 61.51% | 72.27% | 84.01% | 70th pctl | 26 / 88 | | |
| Loans / Assets | 66.82% | 52.51% | 63.15% | 71.27% | 58th pctl | 37 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |