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Spiritbank
Tulsa, OK · FDIC Certificate #4048 · Chartered 05/0
Total assets
$912.80M
Total deposits
$819.22M
Total equity
$84.38M
Net loans
$603.86M
Branches (offices)
6
Net income (YTD)
$3.98M
Rank: #1,129 of 4,213 U.S. banks by assets · #32 of 168 in Oklahoma. Assets changed 2.5% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.86% |
| Return on equity | 9.45% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 9.24% |
| Tier 1 leverage ratio | 9.30% |
| Uninsured deposits (share of deposits) | 14.6% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 73.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $444.97M | 73.7% | |
| Commercial & industrial | $152.75M | 25.3% | |
| Consumer / individual | $7.67M | 1.3% | |
| Construction & development | $81.06M | 13.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $748.00M | $655.89M | $4.40M | $76.14M |
| Jun 2023 | $711.09M | $625.36M | $3.24M | $78.28M |
| Jun 2024 | $766.23M | $678.21M | $1.08M | $79.93M |
| Jun 2025 | $890.57M | $799.98M | $5.37M | $81.23M |
| Jun 2026 | $912.80M | $819.22M | $3.98M | $84.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $819.22M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $819.22M.
Similar-sized banks
Lindell Bank & Trust Company ($915.17M) · Dr Bank ($912.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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