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Spiro State Bank

Spiro, OK · Cert 16908 · Prairie Bell Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$129.9MAssets
$86.8MLoans
$104.7MDeposits
$24.9MEquity
Loan mix
57%RE $41.9M41%C&I $29.9M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $83.0M21%Noninterest $21.7MQ2 2025Q2 2026

NIM

4.84%Q2 ’245.67%Q2 ’255.81%Q2 ’26+0%-14%

Non-interest income vs. expense

4.28%Q2 ’244.19%Q2 ’253.66%Q2 ’26+8%-12%

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.1% share · #49 of 59 inst. · $0.1B of $39.3B

0.2% Tulsa
5.6% Le Flore

Executive Summary

  • Earnings: ROA of 0.33%, up 5 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.09% of loans (-18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.01%, up 452 bps from a year ago.
  • Funding: loans stand at 82.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.33%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.99%-64 bps YoY

Efficiency Ratio (quarter, annualized)

85.94%+152 bps YoY

Tier 1 Leverage Ratio

17.01%+452 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%-0.35%0.26%-0.28%0.33%+5 bps
Return on Equity1.85%-2.40%2.00%-2.37%2.16%+31 bps
Net Interest Margin4.63%4.28%4.31%3.57%3.99%-64 bps
Efficiency Ratio84.43%97.94%106.86%98.09%85.94%+152 bps
Non-Interest Burden3.82%4.15%4.57%3.48%3.38%-45 bps
Growth
Asset Growth (YoY)32.81%40.31%43.85%41.07%35.48%+267 bps
Loan Growth (YoY)303%273%134.26%91.80%81.08%-22,200 bps
Deposit Growth (YoY)39.64%51.10%52.32%48.85%28.48%-1,116 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.08%0.09%0.06%0.09%-18 bps
Net Charge-Offs / Loans-0.01%0.05%0.01%0.11%0.00%+1 bps
Allowance / Loans0.98%0.93%0.86%0.91%0.83%-15 bps
Allowance Coverage of NPLs3.7x11.2x9.5x14.3x9.2x+5.6x
Capital
Tier 1 Leverage Ratio12.50%11.82%11.29%9.03%17.01%+452 bps
Total Risk-Based Capital12.50%11.82%11.29%9.03%17.01%+452 bps
Equity / Assets14.90%14.11%12.39%11.57%19.20%+430 bps
Liquidity & Funding
Loans / Deposits58.85%65.74%70.54%67.57%82.94%+2,409 bps
Liquid Assets / Assets8.29%7.94%6.56%9.03%5.67%-262 bps
CRE / Total Capitaln/a209%308%295%n/an/a