Spiritbank: Non-Performing Assets Ratio
Data as of · sourced from FFIEC call reports. How we update
Spiritbank reported a non-performing assets ratio of 2.40% as of Q2 2026, ranking #192 of 3,656 U.S. banks (95th percentile). The NPA ratio extends NPL to include other real estate owned (OREO), the full picture of distressed assets relative to the bank's size.
12-Quarter Trend
National Context
What is the Non-Performing Assets Ratio?
The NPA ratio extends NPL to include other real estate owned (OREO) (property the bank has foreclosed on) as a percentage of total assets. It captures the full picture of distressed assets, not just distressed loans.
Most community banks report NPA between 0.2% and 1%. Spikes are usually CRE-driven (commercial real estate downturns produce OREO in waves). Compare NPA to NPL: if NPA materially exceeds NPL, the bank is sitting on foreclosed property.
Full definition & formula →Frequently asked questions
What is Spiritbank's Non-Performing Assets Ratio?
Spiritbank's Non-Performing Assets Ratio was 2.40% as of Q2 2026, ranking #192 of 3,656 U.S. banks.
What is the Non-Performing Assets Ratio?
The NPA ratio extends NPL to include other real estate owned (OREO) (property the bank has foreclosed on) as a percentage of total assets. It captures the full picture of distressed assets, not just distressed loans.
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)