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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.17% | 1.35% | 1.21% | 0.86% | -44 bps | |
| Return on Equity | 13.27% | 12.33% | 14.40% | 13.45% | 9.45% | -383 bps | |
| Net Interest Margin | 3.37% | 3.34% | 3.29% | 3.47% | 3.51% | +13 bps | |
| Efficiency Ratio | 57.61% | 59.97% | 60.21% | 64.14% | 64.17% | +657 bps | |
| Non-Interest Burden | 1.57% | 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 / Loans | 1.73% | 1.48% | 1.22% | 1.39% | 0.86% | -87 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.21% | 0.10% | -0.43% | 0.29% | +15 bps | |
| Allowance / Loans | 1.32% | 1.24% | 1.27% | 1.24% | 1.27% | -6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 1.0x | 0.9x | 1.5x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.51% | 9.09% | 8.98% | 9.15% | 9.30% | -21 bps | |
| Total Risk-Based Capital | 14.37% | 14.65% | 14.36% | 14.20% | 14.46% | +9 bps | |
| Equity / Assets | 9.12% | 8.77% | 9.04% | 8.92% | 9.24% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.07% | 70.81% | 72.69% | 72.99% | 74.66% | -42 bps | |
| Liquid Assets / Assets | 18.50% | 22.23% | 19.88% | 19.30% | 16.85% | -165 bps | |
| CRE / Total Capital | n/a | 421% | 430% | 440% | n/a | n/a | |