BlastPoint's Banking Scorecard
Spiro State Bank
Micro
Specialty: Commercial
OK
FDIC cert 16908
Designations: ✓ Community bank
Spiro, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Spiro State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.97% below tier
- - Efficiency Ratio 27.04% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.6M
+43.8% YoY
+14.2% QoQ
|
-$100.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$71.2M
+135.5% YoY
+25.1% QoQ
|
-$67.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$101.9M
+52.3% YoY
+16.5% QoQ
|
-$81.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.11%
+123.1% YoY
+102.4% QoQ
|
-0.97% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
4.50%
+5.8% YoY
-4.8% QoQ
|
+0.65% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
94.77%
+0.8% YoY
+4.6% QoQ
|
+27.04% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.09%
-11.0% YoY
+8.2% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
69.94%
+54.6% YoY
+7.4% QoQ
|
-4.59% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.42%
-35.4% YoY
-20.4% QoQ
|
-1.97% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.06%
+45.8% YoY
+18.6% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-33.6% YoY
+15.4% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.77%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.42% · Tier avg: 22.39%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.94% · Tier avg: 74.53%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $71.2M · Tier avg: $139.2M
29
29th pctile
Total Deposits
Current: $101.9M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.6M · Tier avg: $217.5M
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.77% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 94.77% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
28
28th pctile
Total Assets
Current: $116.6M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $101.9M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $71.2M · Tier avg: $139.2M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.94% · Tier avg: 74.53%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.42% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%