Spiritbank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 25.75 percentage points in Q2 2026, from 324.65% to 298.90%. It was the largest change from Q1 2026 among the key lines here. Spiritbank ranks 98th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 74.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Spiritbank sits 6.18 points lower, at 74.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $611.6M |
| Net loans and leases | $603.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.00% |
| Loan-to-deposit ratio | 74.66% |
| Net loans to equity capital | 7.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.61% |
| Multifamily (5+ residential) | 3.05% |
| Commercial and industrial | 24.97% |
| Consumer | 1.25% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 298.90% |
| Construction concentration (Tier 1 capital + allowance) | 87.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.83% |
| Interest income on loans | $10.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $621.0M | $630.0M | 46.96% | 19.30% | 1.40% |
| Q4 2023 | $612.1M | $680.1M | 47.72% | 19.14% | 1.39% |
| Q1 2024 | $607.4M | $689.7M | 47.32% | 20.87% | 1.37% |
| Q2 2024 | $607.9M | $678.2M | 45.94% | 22.01% | 1.24% |
| Q3 2024 | $607.3M | $687.4M | 45.78% | 22.81% | 1.22% |
| Q4 2024 | $611.7M | $671.8M | 45.68% | 23.24% | 1.20% |
| Q1 2025 | $595.2M | $738.0M | 45.23% | 22.88% | 1.27% |
| Q2 2025 | $600.6M | $800.0M | 43.62% | 23.70% | 1.29% |
| Q3 2025 | $597.9M | $844.3M | 43.65% | 24.39% | 1.34% |
| Q4 2025 | $613.0M | $843.3M | 41.50% | 23.54% | 1.21% |
| Q1 2026 | $618.4M | $847.2M | 41.97% | 23.53% | 1.15% |
| Q2 2026 | $611.6M | $819.2M | 41.61% | 24.97% | 1.25% |
Spiritbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiritbank, freeSource: Call Report Schedule RC-C, 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)