Tiffany Rhea Spears, False Entry In The Books of a Federally Insure…

Tiffany Rhea Spears, 30, of Thackerville, Oklahoma, has pleaded guilty to a federal charge of False Entry In The Books of a Federally Insured Bank, admitting to a months-long scheme designed to deceive bank officials and siphon funds under false pretenses. The crime, punishable by up to 30 years in prison and a $1,000,000.00 fine, was prosecuted by the United States Attorney’s Office for the Eastern District of Oklahoma.

The indictment reveals Spears manipulated records at Citizens Bank and Trust of Ardmore, Oklahoma—a federally insured institution—between January 6, 2017, and June 5, 2017. Posing as legitimate customer transactions, she created fake documents showing loan advances and cash withdrawals. In reality, those transactions were for her personal benefit, not those of the bank’s customers.

Spear’s actions weren’t just bookkeeping errors—they were deliberate lies crafted to mislead bank officers and bypass internal controls. Each forged entry was a calculated step in a larger effort to exploit the financial system, all while hiding behind the legitimacy of a trusted banking relationship.

The Federal Reserve Office of Inspector General led the investigation, peeling back layers of falsified documentation to expose the fraud. Their work confirmed Spears knowingly falsified bank records, violating Title 18, United States Code, Section 1005, a felony statute designed to protect the integrity of federally insured banks.

U.S. Magistrate Judge Steven P. Shreder accepted the guilty plea in federal court in Muskogee, Oklahoma, ordering a presentence investigation report ahead of sentencing. That report will detail the full scope of Spears’ conduct and help determine the severity of her punishment.

Assistant United States Attorney Rob Wallace prosecuted the case for the federal government, underscoring the Department of Justice’s ongoing crackdown on financial fraud in Oklahoma. Spears now faces the full weight of federal sentencing guidelines, with up to three decades behind bars and a million-dollar fine hanging over her future.