Spiritbank: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
Spiritbank reported a texas ratio of 24.72% as of Q2 2026, ranking #173 of 3,654 U.S. banks (95th percentile). The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's potential credit losses (non-performing assets + real-estate-owned) to its loss-absorbing capacity (tangible equity + loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure-prediction metric.
Under 25%: healthy. 25-50%: normal for most community banks. 50-100%: watch, credit issues exceed half of capital. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
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What is Spiritbank's Texas Ratio?
Spiritbank's Texas Ratio was 24.72% as of Q2 2026, ranking #173 of 3,654 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's potential credit losses (non-performing assets + real-estate-owned) to its loss-absorbing capacity (tangible equity + loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure-prediction metric.
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)