SPIRITBANK
SPIRITBANK is an FDIC-insured commercial bank headquartered in TULSA, OK, established in 1916. As of , 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 3.61%. CET1 capital ratio: 13.11%, well above regulatory minimums. NPL ratio: 1.89% · Texas Ratio: 12.53%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Spiritbank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.11% | 1.83% | 1.89% | 12.53% | 3.61% |
| 2025-09-30 | 13.40% | 0.94% | 1.05% | 9.16% | 3.64% |
| 2025-06-30 | 13.12% | 1.65% | 1.53% | 12.88% | 3.52% |
| 2025-03-31 | 13.15% | 0.92% | 1.54% | 13.34% | 3.77% |
| 2024-12-31 | 13.06% | -0.13% | 1.77% | 13.06% | 3.92% |
| 2024-09-30 | 13.30% | 0.29% | 2.90% | 19.69% | 3.67% |
| 2024-06-30 | 13.06% | 0.23% | 2.94% | 20.62% | 3.51% |
| 2024-03-31 | 13.10% | 0.33% | 2.67% | 17.84% | 3.30% |
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Frequently asked about SPIRITBANK
What are Spiritbank's total assets?
As of the Q4 2025 filing, Spiritbank reported total assets of $936.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Spiritbank headquartered?
Spiritbank is headquartered in TULSA, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Spiritbank founded?
Spiritbank was established in 1916, per the FDIC institution directory.
Is Spiritbank FDIC-insured?
Yes. Spiritbank is an FDIC-insured commercial bank (FDIC Certificate #4048). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spiritbank?
Spiritbank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Spiritbank's CET1 capital ratio?
Spiritbank reported a Common Equity Tier 1 (CET1) capital ratio of 13.11% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Spiritbank operate?
Spiritbank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Spiritbank's Texas Ratio?
Spiritbank's Texas Ratio is 12.53% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.