FDIC Cert #16908 · Spiro, Oklahoma · Est. 1950

Spiro State Bank - FDIC Bank Health Profile

A community-scale look at Spiro State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$117M
Total assets
C
Health grade · Fair
0.11%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

Spiro State Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.29% Tier 1, 0.11% ROA, 95% efficiency ratio.

#3,612
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
11.29%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16908 · OK C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4050/4307
  • PHOTO-FINISH Piscataqua Savings B… · NH
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-THIN 0.11% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Piscataqua Savings Bank, NH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spiro State Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Highland Bank · MN · near55/100Piscataqua Savings B… · NH ·…55/100Saco & Biddeford Sav… · ME ·…55/100Spiro State Bank · OK · this…55/100The State Bank of Pe… · IL ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spiro State Bank · July 2026

What Spiro State Bank's Call Report plate shows

Spiro State Bank (FDIC Cert #16908) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,050 of 4,307. Tier 1 capital prints at 11.29%, clearing the 10% well-capitalized line. The Texas Ratio is 0.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.11%. Balance-sheet scale is $117M, 3,612th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Piscataqua Savings Bank (NH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spiro State Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Spiro State Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Spiro State Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How Spiro State Bank's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Spiro State Bank's composite health score
Tier 1 Capital Ratio (11.29%) 28/40
Return on Assets (ROA) (0.11%) 7/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (94.77%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$117M

Total balance-sheet footings

Total Deposits

$102M

Customer-funded liabilities

Net Loans

$71M

Outstanding loan book

Net Income

$111K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.89% 11.29% 12.69%
Basel III capital ratios - Spiro State Bank

Where Spiro State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spiro State Bank's score of 55/100 falls in the highlighted band.

Spiro State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spiro State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Spiro State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Spiro State Bank's $117M falls in the highlighted band.

Safety ratios for Spiro State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.29%
Texas Ratio
0.43%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: Spiro State Bank

Return on Assets (ROA)
7th percentile nationally
0.11%
Return on Equity (ROE)
0.78%
Efficiency Ratio
94.77%

What these mean →

Income & expense at Spiro State Bank

$5M
Interest Income
$315K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Spiro State Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Spiro State Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($117M here), outside Oklahoma so the neighborhood is not state containment.

Hodge Bank & Trust Company $117M · LA The Granville National Bank $117M · IL Midland Federal Savings and Loan Asso… $117M · IL Brantley Bank and Trust Company $116M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spiro State Bank (FDIC Cert #16908) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Spiro State Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%