Spiro State Bank
Spiro, OK·RSSD 397858·FDIC 16908·bank:397858·CBLR opted in
- #119 of 171Total assets in Oklahoma
- 3offices
- 28employees
- Top 1%Loan growth in the U.S.
- Top 3%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Spiro State Bank
15 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter2.34%peers 1.68%+65 bps
Spiro State Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share and more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.34% | 1.68% | +65 bps |
| Share of deposits that pay no interest | ||
| 20.7% | 21.6% | -0.9 pp |
| Time deposits' share of deposits | ||
| 43.8% | 33.1% | +10.6 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter4.33%peers 4.03%+30 bps
Spiro State Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.33% | 4.03% | +30 bps |
| Cost of all deposits | ||
| 2.34% | 1.68% | +65 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+90.0%peers +0.9%+89.1 pp
Spiro State Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +90.0% | +0.9% | +89.1 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter82.9%+24.1 pp in 12 months
Spiro State Bank's loans rose to 82.9% of deposits, 24.1 percentage points higher than a year earlier, while cash fell to 8.7% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 82.9% | +24.1 pp in 12 months |
| Cash / assets | |
| 8.7% | -4.4 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+35.5%peers +4.2%+31.3 pp
Spiro State Bank's total assets grew 35.5% over the past year to $130 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +35.5% | +4.2% | +31.3 pp |
| Total assets | ||
| $130 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile. How signals work
10 more observations
- Deposits migrating from operating accounts to CDsFunding
- Loans growing faster than peersLending
- Deposit costs rising while the peer median fallsFunding
- Reliance on CDs rising while the peer median holds steadyFunding
- Leverage capital ratio rising faster than peersCapital
- Noninterest-bearing deposit share falling faster than peersFunding
- C&I lending growing faster than peersLending
- Deposits growing faster than peersFunding
- Unrealized securities position worsening while the peer median improvesCapital
- Net interest margin narrowing while the peer median widensEarnings
Key facts
- Spiro State Bank is a bank headquartered in Spiro, Oklahoma. It reported $130 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $105 million, up 28.5% from a year earlier, and loans totaled $86.8 million, up 81.1%.
- Its net interest margin was 4.33% and its annualized return on assets was 0.34% for the quarter.
- Its cost of all deposits was 2.34%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Spiro State Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Spiro State Bank · Bank
- Federal Reserve RSSD
- 397858
- FDIC certificate
- 16908
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spiro State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $106K | — | |
| $1.86M | — | |
| $622K | — | |
| $1.23M | — | |
| $90K | — | |
| $1.17M | — | |
| $50K | — | |
| $50K | — | |
| 0.34% | 0.33%ROAQ · Quarter | |
| 4.33% | 4.32%NIMYQ · Quarter | |
| 88.21% | 85.94%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.