Bank Safety Analysis
Is SpiritBank Safe? Tulsa, Oklahoma
Based on its Q3 2026 call report, SpiritBank meets every capital ratio test for well capitalized, its Texas ratio is 6.96%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of SpiritBank and never asks for online banking logins or passwords.
Short answer: is SpiritBank safe?
On its Q3 2026 call report, SpiritBank's CET1 ratio is 10.76%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 10.76%
- Tier 1 leverage ratio (Q3 2026): 7.52%
- Texas ratio (Q3 2026): 6.96%
- Noncurrent loans ratio (Q3 2026): 0.91%
SpiritBank is an FDIC-insured commercial bank (FDIC Certificate #4048). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report SpiritBank (FDIC Certificate #4048) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
SpiritBank is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: commercial real estate to capital.
Return on assets dropped 7.64 percentage points in Q3 2026, from 0.50% to -7.14%. It was the largest change from Q2 2026 among the key lines here. On CET1 ratio, SpiritBank is 5th from the bottom among 69 Oklahoma banks, 10.76% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. SpiritBank sits 4.49 points lower, at 10.76% (Q3 2026). From Q4 2023 to Q3 2026, SpiritBank's CET1 ratio ranged between 10.76% (Q3 2026) and 13.40% (Q3 2025) and its Texas ratio ranged between 5.99% (Q2 2026) and 21.43% (Q2 2024). Between Q3 2025 and Q3 2026, SpiritBank's CET1 ratio fell from 13.40% to 10.76%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.48% to 0.91%, Texas ratio fell from 12.13% to 6.96% and return on assets fell from 0.95% to -7.14%.
Of the 168 banks headquartered in Oklahoma, SpiritBank is the 33rd largest by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $158.4M of $578.7M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, SpiritBank's CET1 ratio of 10.76% is below the 15.24% median, Tier 1 leverage ratio of 7.52% is below the 11.09% median, nonperforming loans ratio of 0.91% is above the 0.43% median, Texas ratio of 6.96% is above the 2.96% median, and efficiency ratio of 181.32% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does SpiritBank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does SpiritBank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 10.76% | Within range |
| Texas ratio BankRegReports band | 6.96% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.91% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 74.54% | Within range |
| Commercial real estate to capital supervisory threshold | 350.75% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 10.76% |
| Q2 2026 | 13.22% |
| Q1 2026 | 12.96% |
| Q4 2025 | 13.11% |
| Q3 2025 | 13.40% |
| Q2 2025 | 13.12% |
| Q1 2025 | 13.15% |
| Q4 2024 | 13.06% |
| Q3 2024 | 13.30% |
| Q2 2024 | 13.06% |
| Q1 2024 | 13.10% |
| Q4 2023 | 12.81% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 6.96% |
| Q2 2026 | 5.99% |
| Q1 2026 | 9.48% |
| Q4 2025 | 8.15% |
| Q3 2025 | 12.13% |
| Q2 2025 | 14.37% |
| Q1 2025 | 17.16% |
| Q4 2024 | 17.31% |
| Q3 2024 | 20.23% |
| Q2 2024 | 21.43% |
| Q1 2024 | 19.43% |
| Q4 2023 | 20.69% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $158.4M
- Commercial and industrial loans: $135.0M
- 1-4 family residential loans: $86.4M
- Owner-occupied commercial real estate loans: $82.9M
- Construction and land development loans: $81.5M
- Multifamily loans: $21.7M
- Other consumer loans: $5.0M
- All other loans: $3.2M
How have SpiritBank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $862.9M | 10.76% | 7.52% | 0.91% | 6.96% | 181.32% |
| Jun 30, 2026 | $912.8M | 13.22% | 9.30% | 0.86% | 5.99% | 64.16% |
| Mar 31, 2026 | $939.6M | 12.96% | 9.16% | 1.39% | 9.48% | 64.10% |
| Dec 31, 2025 | $936.3M | 13.11% | 8.98% | 1.22% | 8.15% | 60.92% |
| Sep 30, 2025 | $937.5M | 13.40% | 9.09% | 1.48% | 12.13% | 65.15% |
| Jun 30, 2025 | $890.6M | 13.12% | 9.51% | 1.73% | 14.37% | 50.01% |
| Mar 31, 2025 | $827.7M | 13.15% | 10.56% | 2.08% | 17.16% | 68.10% |
| Dec 31, 2024 | $760.0M | 13.06% | 10.79% | 2.36% | 17.31% | 70.52% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is SpiritBank FDIC insured?
Yes. SpiritBank is an FDIC-insured commercial bank (FDIC Certificate #4048). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is SpiritBank well capitalized?
On its Q3 2026 call report, SpiritBank's CET1 ratio is 10.76%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are SpiritBank's key safety ratios?
For Q3 2026, SpiritBank reports CET1 10.76%, leverage 7.52%, Texas ratio 6.96%, noncurrent loans 0.91%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if SpiritBank fails?
For Q3 2026, SpiritBank reported $776.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full SpiritBank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 4048) · FFIEC NIC profile (RSSD 142955)
Explore: Full SpiritBank profile · Other banks in OK · Metric glossary · How the call report works