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Spiritbank

Tulsa, OK · Cert 4048 · Spirit Bankcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Tulsa, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Spiritbank

Tulsa, OK · Cert 4048 · Spirit Bankcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$912.8MAssets
$611.6MLoans
$819.2MDeposits
$84.4MEquity
Loan mix
75%RE $460.4M24%C&I $145.5M1%Consumer $7.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $678.1M17%Noninterest $141.2MQ2 2025Q2 2026

NIM

5.85%Q2 ’245.68%Q2 ’255.77%Q2 ’26+1%+4%

Non-interest income vs. expense

2.71%Q2 ’242.45%Q2 ’252.41%Q2 ’26-21%+38%

Market Position · Tulsa, OK · 2026 SOD (annual) · 2.1% share · #15 of 59 inst. · $0.8B of $39.3B

1.5% Tulsa
24.1% Creek

Executive Summary

  • Earnings: ROA of 0.86%, down 44 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.86% of loans (-87 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 9.30%, down 21 bps from a year ago.
  • Funding: loans stand at 74.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+13 bps YoY

Efficiency Ratio (YTD, annualized)

64.17%+657 bps YoY

Tier 1 Leverage Ratio

9.30%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.17%1.35%1.21%0.86%-44 bps
Return on Equity13.27%12.33%14.40%13.45%9.45%-383 bps
Net Interest Margin3.37%3.34%3.29%3.47%3.51%+13 bps
Efficiency Ratio57.61%59.97%60.21%64.14%64.17%+657 bps
Non-Interest Burden1.57%1.76%1.79%2.13%2.16%+59 bps
Growth
Asset Growth (YoY)16.23%20.46%23.20%13.52%2.50%-1,373 bps
Loan Growth (YoY)-1.22%-1.55%0.20%3.90%1.84%+305 bps
Deposit Growth (YoY)17.95%22.83%25.52%14.80%2.41%-1,555 bps
Asset Quality
Nonperforming Loans / Loans1.73%1.48%1.22%1.39%0.86%-87 bps
Net Charge-Offs / Loans0.14%0.21%0.10%-0.43%0.29%+15 bps
Allowance / Loans1.32%1.24%1.27%1.24%1.27%-6 bps
Allowance Coverage of NPLs0.8x0.8x1.0x0.9x1.5x+0.7x
Capital
Tier 1 Leverage Ratio9.51%9.09%8.98%9.15%9.30%-21 bps
Total Risk-Based Capital14.37%14.65%14.36%14.20%14.46%+9 bps
Equity / Assets9.12%8.77%9.04%8.92%9.24%+12 bps
Liquidity & Funding
Loans / Deposits75.07%70.81%72.69%72.99%74.66%-42 bps
Liquid Assets / Assets18.50%22.23%19.88%19.30%16.85%-165 bps
CRE / Total Capitaln/a421%430%440%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Spiritbank

Tulsa, OK · Cert 4048 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Spirit Bankcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$912.8MAssets
$611.6MLoans
$819.2MDeposits
$84.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 61% of banks under $1B in assets in the Tulsa, OK area (rank 7 of 18).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in the Tulsa, OK area (rank 18 of 18).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.87%

Rank 16 of 18

Net Interest Margin

3.51%

Rank 16 of 18

Efficiency Ratio

64.17%

Rank 12 of 18

Equity / Assets

9.24%

Rank 15 of 18

Non-interest income vs. expense

$2.3M$22.2MINCOMEEXPENSE
Unfavorable gap of $19.8M · efficiency ratio beats 39% of banks under $1B in assets in the Tulsa, OK area
Bank 64.17%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.94%1.44%1.74%Beats 11%16 / 18
Return on Equity9.43%9.63%12.74%15.04%Beats 17%15 / 18
Net Interest Margin3.51%3.75%4.31%4.83%Beats 11%16 / 18
Efficiency Ratio64.17%53.05%62.57%69.59%Beats 39%12 / 18
Asset Quality
Nonperforming Loans / Loans0.86%0.01%0.41%0.86%Beats 28%14 / 18
Net Charge-Offs / Loans0.31%0.00%0.02%0.05%Beats 6%18 / 18
Capital
Tier 1 Capital Ratio13.22%11.17%13.04%15.32%Beats 56%8 / 18
Total Risk-Based Capital Ratio14.46%11.17%13.81%15.32%Beats 61%7 / 18
Equity / Assets9.24%9.28%11.57%13.43%Beats 17%15 / 18
Liquidity & Funding
Loans / Deposits74.66%72.39%85.72%91.52%28th pctl13 / 18
Loans / Assets67.00%60.70%74.00%81.85%39th pctl11 / 18
Brokered Deposits / Depositsn/aNot reported for this institution