Headquartered in Tulsa, Oklahoma, SpiritBank is a state-chartered bank with $912.8M in total assets and $819.2M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1916.
Based on its Q2 2026 filing, SpiritBank scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 118th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (43/100; 9.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (58 → 63), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 39 |
| Q3 2024 | 41 |
| Q4 2024 | 45 |
| Q1 2025 | 54 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 63 |
| Q1 2026 | 61 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.57% |
| Q3 2024 | 10.87% |
| Q4 2024 | 10.79% |
| Q1 2025 | 10.56% |
| Q2 2025 | 9.51% |
| Q3 2025 | 9.09% |
| Q4 2025 | 8.98% |
| Q1 2026 | 9.16% |
| Q2 2026 | 9.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.03% |
| Q3 2024 | 2.96% |
| Q4 2024 | 2.36% |
| Q1 2025 | 2.08% |
| Q2 2025 | 1.73% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.21% |
| Q2 2026 | 0.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $912.8M | 9.30% | 0.86% | 0.86% | 73.7% |
| Q1 2026 | 61 | $939.6M | 9.16% | 1.39% | 1.21% | 72.1% |
| Q4 2025 | 63 | $936.3M | 8.98% | 1.22% | 1.35% | 71.8% |
| Q3 2025 | 59 | $937.5M | 9.09% | 1.48% | 1.17% | 69.9% |
| Q2 2025 | 58 | $890.6M | 9.51% | 1.73% | 1.30% | 74.1% |
| Q1 2025 | 54 | $827.7M | 10.56% | 2.08% | 0.92% | 79.6% |
| Q4 2024 | 45 | $760.0M | 10.79% | 2.36% | 0.18% | 89.9% |
| Q3 2024 | 41 | $778.2M | 10.87% | 2.96% | 0.28% | 86.6% |
| Q2 2024 | 39 | $766.2M | 10.57% | 3.03% | 0.28% | 88.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| F&M BankBank Edmond, OK | 71 out of 100, Strong | $915.3M | 10.0% | 0.36% | vs |
| Valliance BankBank Oklahoma City, OK | 47 out of 100, Below average | $923.3M | 9.3% | 1.58% | vs |
| Security BankBank Tulsa, OK | 81 out of 100, Strong | $939.0M | 11.8% | 0.15% | vs |
| First Liberty BankBank Oklahoma City, OK | 76 out of 100, Strong | $885.0M | 11.8% | 0.07% | vs |
| First National Bank of OklahomaBank Oklahoma City, OK | 66 out of 100, Moderate | $949.9M | 10.5% | 1.39% | vs |
| First Bank & Trust Co.Bank Duncan, OK | 61 out of 100, Moderate | $952.1M | 14.9% | 5.22% | vs |
Deposit insurance
Is my money safe at SpiritBank?
Yes. SpiritBank is an FDIC-insured institution (FDIC certificate #4048). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.6% of deposits ($119.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.46% (benchmark: 10%).
6 locations
Branches
SpiritBank lists 6 offices in 3 cities. Most locations:
- Tulsa, OK (4)
- Bristow, OK (1)
- Sapulpa, OK (1)
HMDA 2025
Mortgage lending
In 2025, SpiritBank reported 61 home-loan applications under HMDA (LEI 549300HUGQ1D4T4GJH13): 55 originated ($40,855,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- SpiritBank
- Former names
- The American National Bank of Bristow; Spiritbank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 4048
- RSSD ID
- 142955
- Primary regulator
- FDIC
- Holding company
- Spirit Bankcorp Inc
- Established
- May 5, 1916
- Headquarters
- 4815 S Harvard Ave, Tulsa, OK 74135
- Website
- www.spiritbank.com
- Employees
- 120
Quick answers
SpiritBank: common questions
Is SpiritBank FDIC insured?
Yes. SpiritBank is an FDIC-insured institution (FDIC certificate #4048). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SpiritBank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SpiritBank ever failed?
There is no failure record for FDIC certificate #4048 in the FDIC failed bank list.
How many branches does SpiritBank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tulsa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |