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Ssb Bank

Spiro, OK · Est. 1950 · Website ↗
B
Trust Grade
Strong
Score: 87/100

Ssb Bank is a bank based in Spiro, Oklahoma, established in 1950, with $123 million in total assets across 3 branches. By Trust Grade it ranks 150th of 170 banks we track in Oklahoma. Its capital ratio of 11.6% is stronger than 69% of similarly sized banks, versus a Oklahoma median of 10.4%. It posted a loss over the most recent period (-0.28% return on assets), a point to watch. No consumer complaints against Ssb Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$123.3M
$100M–1B institution
Deposits
$108.7M
Branches
3
Capital ratio
11.6%
Top 31% of $100M–1B peers · Oklahoma median 10.4%
Return on assets
-0.3%
Bottom 2% of $100M–1B peers · Oklahoma median 1.4%
Rank in Oklahoma
#150
of 170 banks

How Ssb Bank compares to Oklahoma peers

Capital ratio
Top 31% of $100M–1B peers
Ssb Bank
11.6%
Oklahoma median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 2% of $100M–1B peers
Ssb Bank
-0.3%
Oklahoma median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Ssb Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
87/100
Customer experience
n/a
Overall
B · 87
  • Strongly capitalized (11.6% capital ratio)
  • Unprofitable over the period (ROA -0.28%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Ssb Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 1008 W Broadway St, Spiro, OK 74959
  • 408 Dallas St, Talihina, OK 74571
  • 9175 S Yale Ave, Tulsa, OK 74137

Are deposits at Ssb Bank insured?

Yes. Ssb Bank is an FDIC-insured bank (FDIC certificate #16908). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Ssb Bank: frequently asked questions

Is Ssb Bank a good bank?

Ssb Bank earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Unprofitable over the period (ROA -0.28%).

Is Ssb Bank FDIC-insured?

Yes. Ssb Bank is a FDIC-insured bank (FDIC certificate #16908). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Ssb Bank?

Ssb Bank holds $123 million in total assets, ranking 150th of 170 banks we track in Oklahoma. It operates 3 branches.

Does Ssb Bank have CFPB complaints?

No CFPB complaints against Ssb Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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