Spiritbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spiritbank of Tulsa, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.50% | 1.35% | -0.85% | 13th bottom |
| ROAE | 5.46% | 12.06% | -6.60% | 16th bottom |
| Net Interest Margin | 3.60% | 3.90% | -0.30% | 32nd below |
| Efficiency Ratio | 64.16% | 63.15% | +1.01% | 42nd below |
| PPNR / Avg Assets | 1.36% | 1.64% | -0.28% | 37th below |
| Yield on Earning Assets | 5.86% | 5.65% | +0.21% | 62nd above |
| Cost of Funds | 2.64% | 1.85% | +0.79% | 12th bottom |
| Net Interest Spread | 2.90% | 3.35% | -0.45% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.56% | 0.92% | +2.64% | 4th bottom |
| NPA / Total Assets | 2.40% | 0.67% | +1.73% | 5th bottom |
| NCO / Avg Loans | 1.01% | 0.14% | +0.87% | 3rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 35.56% | 1645.82% | -1610.26% | 5th bottom |
| Texas Ratio | 24.72% | 7.14% | +17.58% | 5th bottom |
| Provision / NCO | 96.00% | 1189.86% | -1093.86% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.22% | 20.83% | -7.61% | 31st below |
| Tier 1 Ratio | 13.22% | 20.87% | -7.65% | 31st below |
| Total Capital Ratio | 14.46% | 21.94% | -7.48% | 32nd below |
| Leverage Ratio | 9.30% | 12.46% | -3.16% | 17th bottom |
| Equity / Assets | 9.24% | 11.67% | -2.43% | 31st below |
| TCE / Tangible Assets | 9.16% | 11.40% | -2.24% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.66% | 78.64% | -3.98% | 62nd above |
| Core Deposit Ratio | 70.48% | 87.10% | -16.62% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.50% | 6.48% | -3.98% | 36th below |
| Loan Growth (Y/Y) | 1.84% | 7.64% | -5.80% | 31st below |
| Deposit Growth (Y/Y) | 2.41% | 6.02% | -3.61% | 38th below |
See Spiritbank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spiritbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spiritbank profile, how to read a UBPR, or how this data updates.