Tulsa, OK · Cert 4048 · Spirit Bankcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
45
Asset Quality
17
Profitability
13
Liquidity
67
Efficiency
39
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.
Tulsa, OK · Cert 4048 · Spirit Bankcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 2.1% share · #15 of 59 inst. · $0.8B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.18% | 0.92% | 1.30% | 1.17% | 1.35% | 1.21% | 0.86% | -44 bps | |
| Return on Equity | 2.74% | 1.73% | 9.05% | 13.27% | 12.33% | 14.40% | 13.45% | 9.45% | -383 bps | |
| Net Interest Margin | 3.47% | 3.55% | 3.68% | 3.37% | 3.34% | 3.29% | 3.47% | 3.51% | +13 bps | |
| Efficiency Ratio | 67.73% | 68.44% | 68.11% | 57.61% | 59.97% | 60.21% | 64.14% | 64.17% | +657 bps | |
| Non-Interest Burden | 2.14% | 2.25% | 2.41% | 1.57% | 1.76% | 1.79% | 2.13% | 2.16% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.73% | -1.26% | 6.55% | 16.23% | 20.46% | 23.20% | 13.52% | 2.50% | -1,373 bps | |
| Loan Growth (YoY) | -2.21% | -0.06% | -2.01% | -1.22% | -1.55% | 0.20% | 3.90% | 1.84% | +305 bps | |
| Deposit Growth (YoY) | 9.11% | -1.21% | 7.00% | 17.95% | 22.83% | 25.52% | 14.80% | 2.41% | -1,555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.96% | 2.36% | 2.08% | 1.73% | 1.48% | 1.22% | 1.39% | 0.86% | -87 bps | |
| Net Charge-Offs / Loans | 0.63% | 1.52% | 0.26% | 0.14% | 0.21% | 0.10% | -0.43% | 0.29% | +15 bps | |
| Allowance / Loans | 1.96% | 1.30% | 1.27% | 1.32% | 1.24% | 1.27% | 1.24% | 1.27% | -6 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.6x | 0.8x | 0.8x | 1.0x | 0.9x | 1.5x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 10.79% | 10.56% | 9.51% | 9.09% | 8.98% | 9.15% | 9.30% | -21 bps | |
| Total Risk-Based Capital | 14.56% | 14.31% | 14.40% | 14.37% | 14.65% | 14.36% | 14.20% | 14.46% | +9 bps | |
| Equity / Assets | 10.53% | 10.58% | 9.80% | 9.12% | 8.77% | 9.04% | 8.92% | 9.24% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.35% | 91.06% | 80.65% | 75.07% | 70.81% | 72.69% | 72.99% | 74.66% | -42 bps | |
| Liquid Assets / Assets | 8.88% | 4.18% | 13.65% | 18.50% | 22.23% | 19.88% | 19.30% | 16.85% | -165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 421% | 430% | 440% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.94% | 1.44% | 1.74% | Beats 11% | 16 / 18 | ||
| Return on Equity | 9.43% | 9.63% | 12.74% | 15.04% | Beats 17% | 15 / 18 | ||
| Net Interest Margin | 3.51% | 3.75% | 4.31% | 4.83% | Beats 11% | 16 / 18 | ||
| Efficiency Ratio | 64.17% | 53.05% | 62.57% | 69.59% | Beats 39% | 12 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.01% | 0.41% | 0.86% | Beats 28% | 14 / 18 | ||
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.02% | 0.05% | Beats 6% | 18 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.22% | 11.17% | 13.04% | 15.32% | Beats 56% | 8 / 18 | ||
| Total Risk-Based Capital Ratio | 14.46% | 11.17% | 13.81% | 15.32% | Beats 61% | 7 / 18 | ||
| Equity / Assets | 9.24% | 9.28% | 11.57% | 13.43% | Beats 17% | 15 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.66% | 72.39% | 85.72% | 91.52% | 28th pctl | 13 / 18 | ||
| Loans / Assets | 67.00% | 60.70% | 74.00% | 81.85% | 39th pctl | 11 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||