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SSB Bank
Spiro, OK · FDIC Certificate #16908 · Chartered 05/1
Total assets
$129.92M
Total deposits
$104.67M
Total equity
$24.95M
Net loans
$86.09M
Branches (offices)
3
Net income (YTD)
$21.00K
Rank: #3,462 of 4,213 U.S. banks by assets · #118 of 168 in Oklahoma. Assets changed 35.5% and deposits 28.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.03% |
| Return on equity | 0.23% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 19.20% |
| Tier 1 leverage ratio | 17.01% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 82.2% |
| Real estate loans (share of loans) | 51.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $43.99M | 51.1% | |
| Commercial & industrial | $41.08M | 47.7% | |
| Consumer / individual | $1.32M | 1.5% | |
| Construction & development | $11.52M | 13.4% | |
| Agricultural | $174.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $65.78M | $60.77M | $118.00K | $4.97M |
| Jun 2023 | $63.74M | $58.97M | $215.00K | $4.70M |
| Jun 2024 | $72.21M | $58.34M | -$114.00K | $13.80M |
| Jun 2025 | $95.90M | $81.47M | $125.00K | $14.29M |
| Jun 2026 | $129.92M | $104.67M | $21.00K | $24.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $104.67M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $104.67M.
Similar-sized banks
Concordia Bank Of Concordia, Missouri ($129.99M) · Minnesota Lakes Bank ($129.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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