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SpiritBank

$100M-$1B Specialty: Commercial OK FDIC cert 4048

Tulsa, OK

6 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

SpiritBank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.14% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.44% below tier average
  • - Delinquency Rate 0.52% above tier average
Get updates when SpiritBank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $939.6M
+13.5% YoY +0.3% QoQ
+$553.5M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
Top 2.3% in tier
Total Loans ? $610.7M
+3.9% YoY +0.9% QoQ
+$355.0M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
Top 5.5% in tier
Total Deposits ? $847.2M
+14.8% YoY +0.5% QoQ
+$519.2M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
Top 0.8% in tier
Return on Assets ? 1.21%
+31.1% YoY -10.9% QoQ
-0.06% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
50%
Net Interest Margin ? 3.49%
-6.1% YoY -4.6% QoQ
-0.44% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
30%
Efficiency Ratio ? 64.14%
-5.8% YoY +6.5% QoQ
-1.14% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 1.41%
-33.2% YoY +14.2% QoQ
+0.52% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
20%
Loan-to-Deposit Ratio ? 72.08%
-9.5% YoY +0.4% QoQ
-4.56% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
63%
Non-Interest-Bearing Deposit Share ? 17.33%
-10.8% YoY -7.4% QoQ
-4.68% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
33%
Nonperforming Asset Ratio ? 0.91%
-49.8% YoY +14.8% QoQ
+0.28% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
22%
Tier 1 Capital Ratio ? 12.96%
-1.4% YoY -1.1% QoQ
-2.87% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.06%
-9.1% YoY -87.2% QoQ
-0.22% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

23
Total Deposits
size
Value: $847.21M
Peer Median: $327.97M
#23 of 2664 Top 0.8% in $100M-$1B
61
Total Assets
size
Value: $939.59M
Peer Median: $386.08M
#61 of 2664 Top 2.3% in $100M-$1B
148
Total Loans
size
Value: $610.67M
Peer Median: $255.72M
#148 of 2664 Top 5.5% in $100M-$1B

Top Weaknesses (2 metrics)

2123
Delinquency Rate
credit_quality
Value: 1.41%
Peer Median: 0.89%
#2123 of 2654 Bottom 20.0% in $100M-$1B
2081
Nonperforming Asset Ratio
credit_quality
Value: 0.91%
Peer Median: 0.64%
#2081 of 2664 Bottom 21.9% in $100M-$1B
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