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 Spiro State Bank
Spiro State Bank
| RSSD ID 397858 | CERTIFICATE 16908 | ABA NUMBER 103109772 |
| 1008 W Broadway St |
Quarter Ended : |
2025-12-31 |
| Spiro, Oklahoma, 74959 |
Updated : |
2026-01-29 |
| www.spirostatebank.com |
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| Institution Profile |
| Year Opened : |
1950 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
26 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 116,564 |
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Total Interest Income | 5,303 |
| Total Liabilities | 102,127 |
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Total NonInterest Income | 315 |
| Total Bank Equity Capital | 14,437 |
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Total Interest Expense | 1,491 |
| Total Deposits | 101,853 |
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Total NonInterest Expense | 4,031 |
| Net Loans & Leases | 71,234 |
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Net Income | 111 |
| Loan Loss Allowance | 615 |
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Net Charge Offs | 7 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 47,597 |
| Total assets for the leverage ratio | 91,629 |
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Loans secured by real estate: | 35,940 |
| Tier 1 Leverage Ratio | 11.29 |
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Commercial and industrial loans | 26,011 |
| Off Balance Sheet Exposures (%) | 6.27 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,318 |
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:· Spiro State Bank
