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
Unfavorable gap of $19.8M · efficiency ratio beats 39% of banks under $1B in assets in the Tulsa, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |