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SpiritBank

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

Tulsa, OK

6 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +2.4% year over year ($819.2M on the books).
  • Delinquency rate 0.88%.
  • Return on assets 0.86%.
  • Efficiency ratio 64.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 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 0.31% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 3.9% in tier
  • - Cost Spiral: Bottom 42.0% in tier
  • - Net Interest Margin 0.43% below tier average
Get updates when SpiritBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $912.8M
+2.5% YoY -2.9% QoQ
+$526.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 3.2% in tier
Total Loans ? $603.9M
+1.9% YoY -1.1% QoQ
+$345.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 5.9% in tier
Total Deposits ? $819.2M
+2.4% YoY -3.3% QoQ
+$492.5M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 1.4% in tier
Return on Assets ? 0.86%
-34.2% YoY -29.1% QoQ
-0.47% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.56%
-2.1% YoY +1.9% QoQ
-0.43% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 64.17%
+11.4% YoY +0.0% QoQ
-0.31% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.88%
-50.1% YoY -37.8% QoQ
-0.04% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 73.71%
-0.5% YoY +2.3% QoQ
-4.24% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 17.23%
-6.1% YoY -0.6% QoQ
-4.80% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.60%
-58.0% YoY -34.6% QoQ
-0.07% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 13.22%
+0.7% YoY +1.9% QoQ
-2.69% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.13%
-70.0% YoY +108.0% QoQ
-0.44% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 17.2%
-1.1pp YoY
-0.1pp QoQ
 -4.9pp 22.1% 23.9% 22.2% 32%
Brokered Deposits 21.2%
+2.2pp YoY
0.0pp QoQ
 +13.3pp 7.9% 9.7% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 25.3%
+1.3pp YoY
+1.5pp QoQ
 +13.7pp 11.6% 15.7% 12.5% 94%
CRE 58.7%
-0.7pp YoY
-2.1pp QoQ
 +19.1pp 39.5% 42.0% 41.4% 83%
1-4 Family 14.6%
-0.4pp YoY
+0.3pp QoQ
 -18.0pp 32.6% 24.0% 31.3% 19%
Consumer 1.3%
0.0pp YoY
+0.1pp QoQ
 -2.8pp 4.1% 5.6% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.1pp YoY
+0.3pp QoQ
 -5.6pp 18.8% 17.0% 19.7% 31%
Leverage Ratio 9.3%
-0.2pp YoY
+0.1pp QoQ
 -2.9pp 12.2% 11.7% 12.6% 17%
Total Capital Ratio 14.5%
+0.1pp YoY
+0.3pp QoQ
 -5.5pp 19.9% 18.2% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 120
+1 (+0.8%) YoY
+1 (+0.8%) QoQ
 +61 58 150 482 92%
Assets per Employee ($) $7.6M
+1.6% YoY
-3.7% QoQ
 +$88K $7.5M $6.5M $8.8M 62%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 51%
Nonaccrual 0.8%
-0.8pp YoY
-0.5pp QoQ
 -0.2pp 0.9% 1.5% 1.0% 65%
Allowance Coverage 1.46x
+91.2% YoY
+63.7% QoQ
 -22.69x 24.15x 61.99x 20.23x 38%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
+0.7pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 9.4%
-3.8pp YoY
-4.0pp QoQ
 -2.7pp 12.2% 11.9% 11.6% 33%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 84%
Net Income ($, YTD) $4.0M
-25.9% YoY
— QoQ
 +$1.4M $2.6M $8.7M $40.4M 80%

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 (2)

Margin Compression

decline
#13 of 307 • Bottom 3.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#59 of 138 • Bottom 42.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 64.17%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

37
Total Deposits
size
Value: $819.22M
Peer Median: $326.73M
#37 of 2643 Top 1.4% in $100M-$1B
86
Total Assets
size
Value: $912.80M
Peer Median: $386.57M
#86 of 2643 Top 3.2% in $100M-$1B
158
Total Loans
size
Value: $603.86M
Peer Median: $258.35M
#158 of 2643 Top 5.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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