Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$123M
Total Deposits
$109M
Net Loans
$73M
Net Income
$-85K
ROA
-0.28%
Below avg for Small banks. Peer avg: 0.44%
ROE
-2.37%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2023 | Outstanding | Small Bank |
| Oct 2017 | Outstanding | Small Bank |
| Feb 2012 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
3
Branch Deposits
$81M
1-Year Change
0
5-year net change: +1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/spiro-state-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: