SSB Bank is a state-chartered bank headquartered in Spiro, Oklahoma, in business for about 76 years. At the end of Q2 2026 it reported $129.9M in total assets and $104.7M in deposits, with 3 offices.
Based on its Q2 2026 filing, SSB Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 42nd. Its strongest component is capital cushion (100/100; 17.01%), and its lowest is earnings (21/100; 0.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (76 → 80), mostly because the capital cushion component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 75 |
| Q1 2025 | 78 |
| Q2 2025 | 76 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 61 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.36% |
| Q3 2024 | 15.51% |
| Q4 2024 | 13.66% |
| Q1 2025 | 12.72% |
| Q2 2025 | 12.50% |
| Q3 2025 | 11.82% |
| Q4 2025 | 11.29% |
| Q1 2026 | 9.03% |
| Q2 2026 | 17.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.34% |
| Q3 2024 | -0.41% |
| Q4 2024 | -0.50% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.11% |
| Q1 2026 | -0.28% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $129.9M | 17.01% | 0.09% | 0.03% | 82.2% |
| Q1 2026 | 61 | $123.3M | 9.03% | 0.06% | -0.28% | 66.9% |
| Q4 2025 | 71 | $116.6M | 11.29% | 0.09% | 0.11% | 69.9% |
| Q3 2025 | 73 | $102.1M | 11.82% | 0.08% | 0.06% | 65.1% |
| Q2 2025 | 76 | $95.9M | 12.50% | 0.27% | 0.28% | 58.3% |
| Q1 2025 | 78 | $87.4M | 12.72% | 0.01% | 0.28% | 51.8% |
| Q4 2024 | 75 | $81.0M | 13.66% | 0.10% | -0.50% | 45.2% |
| Q3 2024 | 80 | $72.7M | 15.51% | 0.01% | -0.41% | 26.2% |
| Q2 2024 | 80 | $72.2M | 15.36% | 0.07% | -0.34% | 20.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SNB Bank, National AssociationBank Shattuck, OK | 36 out of 100, Low | $129.4M | 11.8% | 6.18% | vs |
| FNB CowetaBank Coweta, OK | 86 out of 100, Very strong | $127.8M | 11.2% | 0.00% | vs |
| ACB BankBank Cherokee, OK | 64 out of 100, Moderate | $135.5M | 12.2% | 1.77% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |
| The First Bank of OkarcheBank Okarche, OK | 89 out of 100, Very strong | $137.5M | 16.1% | 1.04% | vs |
| Security First National Bank of HugoBank Hugo, OK | 48 out of 100, Below average | $137.7M | 10.4% | 4.15% | vs |
Deposit insurance
Is my money safe at SSB Bank?
Yes. SSB Bank is an FDIC-insured institution (FDIC certificate #16908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($18.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
SSB Bank lists 3 offices in 3 cities. Most locations:
- Spiro, OK (1)
- Talihina, OK (1)
- Tulsa, OK (1)
Identity & history
Profile
- Legal name
- SSB Bank
- Former names
- Spiro State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16908
- RSSD ID
- 397858
- Primary regulator
- FDIC
- Holding company
- Prairie Bell Holdings Inc
- Established
- May 15, 1950
- Headquarters
- 1008 W Broadway St, Spiro, OK 74959
- Website
- www.spirostatebank.com
- Employees
- 28
Quick answers
SSB Bank: common questions
Is SSB Bank FDIC insured?
Yes. SSB Bank is an FDIC-insured institution (FDIC certificate #16908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SSB Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SSB Bank ever failed?
There is no failure record for FDIC certificate #16908 in the FDIC failed bank list.
How many branches does SSB Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spiro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR | 89 out of 100, Very strong | $13.1M | 23.6% | 0.31% | vs |
| Arkansas Best Federal Credit UnionCredit union Fort Smith, AR | 84 out of 100, Strong | $144.0M | 16.3% | 0.62% | vs |
| Citizens' Bank & Trust Co.Bank Van Buren, AR | 82 out of 100, Strong | $566.4M | 11.8% | 0.20% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |