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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -0.13% | 0.92% | 1.65% | 0.94% | 1.83% | 1.21% | 0.50% | -115 bps | |
| Return on Equity | 2.77% | -1.27% | 9.05% | 17.46% | 10.50% | 20.51% | 13.45% | 5.46% | -1,199 bps | |
| Net Interest Margin | 3.61% | 3.83% | 3.68% | 3.44% | 3.57% | 3.55% | 3.47% | 3.54% | +10 bps | |
| Efficiency Ratio | 69.48% | 70.54% | 68.11% | 50.02% | 65.19% | 60.96% | 64.14% | 64.20% | +1,418 bps | |
| Non-Interest Burden | 2.36% | 2.60% | 2.41% | 0.97% | 2.29% | 2.09% | 2.13% | 2.18% | +121 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 | 0.08% | 4.24% | 0.26% | 0.03% | 0.35% | -0.23% | -0.43% | 1.02% | +99 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 | |