Side-by-side · Q2 2026 data
SpiritBank vs First Bank of Owasso
Metric by metric
| Measure | SpiritBank | First Bank of Owasso |
|---|---|---|
| TellerScore | 63 | 93 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 52 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $912.8M | $639.3M |
| Deposits / shares | $819.2M | $538.7M |
| Capital ratio | 9.30% | 15.67% (stronger) |
| Problem loans | 0.86% | 0.01% (stronger) |
| Net charge-offs | 0.29% | 0.00% (stronger) |
| Return on assets | 0.86% | 2.80% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 90.3% |
| Uninsured deposits | 14.6% (stronger) | 30.8% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
First Bank of Owasso has the higher TellerScore (93 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 2 and First Bank of Owasso on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.