Spiritbank: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Spiritbank reported a efficiency ratio of 64.16% as of Q2 2026, ranking #2,282 of 3,643 U.S. banks (37th percentile). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
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What is the Efficiency Ratio?
The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?
Most US community banks report efficiency ratios between 55% and 70%. Below 55% is excellent. Above 75% suggests structural expense issues: possibly over-branched, over-staffed, or sub-scale relative to revenue.
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What is Spiritbank's Efficiency Ratio?
Spiritbank's Efficiency Ratio was 64.16% as of Q2 2026, ranking #2282 of 3,643 U.S. banks.
What is the Efficiency Ratio?
The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?
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Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Spiritbank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 4048) · FFIEC NIC profile (RSSD 142955)