Spiritbank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 51.2% in Q2 2026, from -$1.0M to -$1.6M. It was the largest change from Q1 2026 among the key lines here. Spiritbank ranks 47th of 71 Oklahoma banks on CET1 ratio, in the lower half at 13.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Spiritbank sits 1.86 points lower, at 13.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.46% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $85.4M |
| Tier 1 capital | $85.4M |
| Total risk-based capital | $93.4M |
| Total equity capital | $84.4M |
| Risk-weighted assets | $645.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 5.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $64.2M |
| Retained earnings | $20.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.64% | 12.64% | 13.89% | 11.31% | $638.4M |
| Q4 2023 | 12.81% | 12.81% | 14.06% | 10.93% | $629.7M |
| Q1 2024 | 13.10% | 13.10% | 14.35% | 10.47% | $620.7M |
| Q2 2024 | 13.06% | 13.06% | 14.32% | 10.57% | $625.6M |
| Q3 2024 | 13.30% | 13.30% | 14.56% | 10.87% | $618.5M |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.79% | $628.1M |
| Q1 2025 | 13.15% | 13.15% | 14.40% | 10.56% | $622.9M |
| Q2 2025 | 13.12% | 13.12% | 14.37% | 9.51% | $624.7M |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 9.09% | $612.7M |
| Q4 2025 | 13.11% | 13.11% | 14.36% | 8.98% | $643.5M |
| Q1 2026 | 12.96% | 12.96% | 14.20% | 9.15% | $649.6M |
| Q2 2026 | 13.22% | 13.22% | 14.46% | 9.30% | $645.9M |
Spiritbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiritbank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spiritbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4048) · FFIEC NIC profile (RSSD 142955)