Spiritbank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 22.16 percentage points in Q2 2026, from 57.72% to 35.56%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Spiritbank is 149th of 169 on return on assets, 0.50% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Spiritbank reported 0.50% on return on assets in Q2 2026, 0.75 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.46% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 9.24% |
| Tangible equity to tangible assets | 9.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.56% |
| Non-performing assets ratio | 2.40% |
| Net charge-off ratio | 1.01% |
| Texas ratio | 24.72% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 35.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 5.46% |
| Net interest margin | 3.60% |
| Efficiency ratio | 64.16% |
| Yield on earning assets | 5.86% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.66% |
| Core deposits to total deposits | 70.48% |
| Brokered deposits to total deposits | 21.17% |
| Deposits to assets | 89.75% |
| Securities to assets | 14.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.64% | 12.64% | 13.89% | 11.31% | 0.86% |
| Q4 2023 | 12.81% | 12.81% | 14.06% | 10.93% | 0.92% |
| Q1 2024 | 13.10% | 13.10% | 14.35% | 10.47% | 0.33% |
| Q2 2024 | 13.06% | 13.06% | 14.32% | 10.57% | 0.23% |
| Q3 2024 | 13.30% | 13.30% | 14.56% | 10.87% | 0.30% |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.79% | -0.14% |
| Q1 2025 | 13.15% | 13.15% | 14.40% | 10.56% | 0.94% |
| Q2 2025 | 13.12% | 13.12% | 14.37% | 9.51% | 1.64% |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 9.09% | 0.95% |
| Q4 2025 | 13.11% | 13.11% | 14.36% | 8.98% | 1.82% |
| Q1 2026 | 12.96% | 12.96% | 14.20% | 9.15% | 1.23% |
| Q2 2026 | 13.22% | 13.22% | 14.46% | 9.30% | 0.50% |
Spiritbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiritbank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)