Spiritbank
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Data as of · sourced from FFIEC call reports. How we update
Spiritbank is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1916 (FDIC certificate 4048), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $912.8M, up 2.5% from Q2 2025, the 32nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4048
- Headquarters
- Tulsa, OK
- Established
- 1916
- Total assets, Q2 2026
- $912.8M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 13.22%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103110376
- Latest call report
- Q2 2026, FFIEC 051 · Spiritbank call report
- Holding company
- SPIRIT BANKCORP, INC.
- Asset rank in state
- 32nd of 169 in Oklahoma
Spiritbank leans heavily on commercial real estate. It reported $913 million in assets at June 30, 2026, up 2.5% from a year earlier. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $0.50 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings fell sharply: quarterly net income of $1.1 million was 68% below a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.86% of loans from 1.73%. Funding is the softer spot: it pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Spiritbank reported a CET1 capital ratio of 13.22%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.99%. The figures come from its call report filed with the FFIEC.
Spiritbank ranks as the 32nd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $912.8M, loans fell 1.1% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.7% of total loans, ahead of commercial and industrial loans at 25.0%. Its 6 offices in the FDIC Summary of Deposits are in Tulsa, OK, Sapulpa, OK and Bristow, OK; its Tulsa 4 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, Spiritbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4815 S Harvard Ave, Tulsa, OK 74135
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 5, 1916
- Former names
- Spiritbank, National Association (1996-2000)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $819.2M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $901K
- Average total assets
- $918.8M
- Average total loans
- $623.0M
- Average interest-bearing deposits
- $629.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4048
- Fed RSSD
- 142955
- SEC CIK
- 1641160 → filed by SPIRIT BANKCORP, INC.
- Website
- www.spiritbank.com →
- Parent Holding Company
- SPIRIT BANKCORP, INC. (RSSD 1062135)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Spiritbank's total assets ran between $715.8M (Q3 2023) and $939.6M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$912.8M total assets against $890.6M; $828.4M total liabilities against $809.3M.
$603.9M net loans and leases against $592.6M; $819.2M total deposits against $800.0M.
$129.8M securities against $104.8M; $156.9M cash and balances due against $170.2M.
$13.2M total interest income against $12.8M; $5.1M total interest expense against $5.4M.
$8.1M net interest income against $7.4M.
$590K total noninterest income against $3.2M; $5.6M total noninterest expense against $5.3M.
$1.6M provision for credit losses against $550K.
$1.1M net income against $3.5M.
0.50% return on assets against 1.64%; 3.60% net interest margin against 3.51%.
13.22% CET1 capital ratio against 13.12%; 9.30% tier 1 leverage ratio against 9.51%.
Inside the full Spiritbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Spiritbank rankings
Its closest position to the top of a national ranking is 1,121 of 4,196, for total assets; its furthest is 3,244 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.14% (Q4 2024) to 1.82% (Q4 2025) and its net interest margin ran from 3.51% (Q2 2025) to 3.89% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 0.50% | 0.86% | 5.99% | 3.60% |
| Q1 2026 | 12.96% | 1.23% | 1.39% | 9.48% | 3.53% |
| Q4 2025 | 13.11% | 1.82% | 1.22% | 8.15% | 3.60% |
| Q3 2025 | 13.40% | 0.95% | 1.48% | 12.13% | 3.63% |
| Q2 2025 | 13.12% | 1.64% | 1.73% | 14.37% | 3.51% |
| Q1 2025 | 13.15% | 0.94% | 2.08% | 17.16% | 3.76% |
| Q4 2024 | 13.06% | -0.14% | 2.36% | 17.31% | 3.89% |
| Q3 2024 | 13.30% | 0.30% | 2.96% | 20.23% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Baltimore Branch | Tulsa , OK | 74119 | $255.3M |
| Spiritbank (main office) | Tulsa , OK | 74135 | $154.0M |
| Sapulpa Branch | Sapulpa , OK | 74066 | $147.8M |
| Bristow Branch | Bristow , OK | 74010 | $144.7M |
| South Memorial Branch | Tulsa , OK | 74133 | $106.6M |
| 71st Street Branch | Tulsa , OK | 74132 | $10.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 21, 1995 | Structure Change | Acquired Central Oklahoma Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 22, 1993 | Structure Change | Acquired Cimarron Federal Savings Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 1989 | Structure Change | Acquired Citizens Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 1988 | Structure Change | Acquired The First National Bank and Trust Company of Cushing Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 10, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 1988 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 11, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 25, 1987 | Structure Change | Acquired The Citizens Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 24, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- August 2, 2012, Federal Reserve: Written Agreement: Spirit BankCorp, Inc., Bristow, Oklahoma
- Period: Most recent institution action August 2, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OK, rank 32 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 61 applications, 55 loans originated, $40.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Spiritbank
What are Spiritbank's total assets?
As of the Q2 2026 filing, Spiritbank reported total assets of $912.8 million in its FFIEC call report.
Where is Spiritbank headquartered?
It is headquartered in Tulsa, OK, United States.
When was Spiritbank founded?
It was established in 1916, per the FDIC institution directory.
Is Spiritbank FDIC-insured?
Yes. It 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.
What is Spiritbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Spiritbank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spiritbank's Texas Ratio?
Its Texas Ratio is 5.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Spiritbank previously called?
The charter now named Spiritbank has also operated as Spiritbank, National Association (1996-2000), per FDIC structure-change records.
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