SPIRITBANK

TULSA, OK | Medium | Est. May 5, 1916, midnight | FDIC #4048 | RSSD #142955 | FDIC
Latest Report: 2025-12-31

SPIRITBANK is amn medium FDIC-insured commercial bank headquartered in TULSA, OK, established in May 5, 1916, midnight. As of 2025-12-31, the bank reported total assets of $936M and total deposits of $843M. Profitability stands at 1.83% ROA and 20.51% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 13.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 6.79%. FDIC Certificate #4048.

Assets

$936M

Deposits

$843M

Loans

$613M

Equity

$85M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 20.51%
Net Interest Margin (NIM) 3.87%
Yield on Assets 6.55%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.10%
Texas Ratio 6.79%
NPA Ratio 0.67%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 13.11%
Tier 1 Capital 13.11%
Total Capital Ratio 14.36%
Leverage Ratio 8.98%
Loan-to-Deposit 72.69%

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