Spiritbank: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Spiritbank reported a loan-to-deposit ratio of 74.66% as of Q2 2026, ranking #2,456 of 3,651 U.S. banks (33rd percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
12-Quarter Trend
National Context
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is Spiritbank's Loan-to-Deposit Ratio?
Spiritbank's Loan-to-Deposit Ratio was 74.66% as of Q2 2026, ranking #2456 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More Spiritbank metrics
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)