Vitals
  • Total Assets
    49.7M -5.8 %
  • Total Deposits
    43.3M -6.5 %
  • Total Net Loans
    12.7M 1.4 %
  • Net Income
    53000.0000 3.9 %
  • Book Value
    6.3M -1.0 %
  • Book Value x2
    12.7M -1.0 %
  • Book Value x3
    19.0M -1.0 %
ROAA

.102

ROAE

.81

Efficiency Ratio

96.723

Net Interest Margin

3.304

Balance Sheet Highlights
Financial Highlights Spiro State Bank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 49,701 202,868
Total Net Loans 12,740 137,756
Total Deposits 43,265 172,449
Total Equity 6,344 21,595
Profitability
Net Income 53 2,672
Return on Average Assets .102 1.261
Return on Average Equity .81 11.655
Net Interest Margin 3.304 4.163
Efficiency Ratio 96.723 67.201
Noninterest Income/Revenue 24.866 16.695
Balance Sheet Ratios
Loan-to-Deposit 29.446 75.305
Securities/Assets .507 .172
Total Equity/Total Assets .128 .106
Tangible Equity/Tangible Assets .128 .104
Capital Adequacy
Tier 1 Common Capital 6,360 21,413
Tier 1 Capital 6,360 21,413
Tier 2 Capital 262 1,666
Total Capital 6,622 23,103
Total Risk Weighted Assets 20,844 150,667
Leverage Ratio 12.71 10.837
Common Equity Tier 1 Capital Ratio 30.51 15.74
Tier 1 Capital Ratio 30.51 15.742
Total Capital Ratio 31.77 16.809

Timeline for Spiro State Bank

The First State Bank In Talihina

Acquisition: Spiro State Bank acquired a new subsidiary, The First State Bank In Talihina, 35 years

View Profile Sep 23 1988

Spiro Bancshares, Inc.

Spiro Bancshares, Inc. became a new parent organization for Spiro State Bank.

View Profile Feb 26 1982

Spiro State Bank

Spiro State Bank was established 74 years ago and is currently headquartered in Spiro, OK.

May 15 1950
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First State Bank In Talihina Seller 15,813 Failure 9/23/1988
Relationships Role Relationship Start Relationship End
Spiro Bancshares, Inc. Parent 2/11/1998
Spiro Bancshares, Inc. Parent 2/26/1982 2/10/1998
Similar Organizations
Organization City State Total Assets
Victor State Bank
 		Victor IA 50.5M
Farmers State Bank
 		Elmwood IL 50.3M
Champion Bank
 		Parker CO 50.4M
Community Bank And Trust - Alabama
 		Union Springs AL 50.4M
Farmers & Traders Bank Of Campton
 		Campton KY 50.3M
The Howard State Bank, Howard, Kansas
 		Howard KS 50.0M
Farmers And Merchants State Bank Of Appleton
 		Appleton MN 48.7M
Farmers State Bank Of West Concord
 		West Concord MN 49.8M
Omnibank
 		Bay Springs MS 48.4M
Union State Bank
 		Uniontown KS 48.4M