Side-by-side · Q2 2026 data
SpiritBank vs Quail Creek Bank
Metric by metric
| Measure | SpiritBank | Quail Creek Bank |
|---|---|---|
| TellerScore | 63 | 67 (stronger) |
| Capital cushion | 43 (stronger) | 41 |
| Loan quality | 71 | 78 (stronger) |
| Earnings | 54 | 89 (stronger) |
| Funding & liquidity | 87 (stronger) | 57 |
| Problem-loan coverage | 88 | 88 |
| Peer percentile | 24th | 34th |
| Total assets | $912.8M | $831.2M |
| Deposits / shares | $819.2M | $756.5M |
| Capital ratio | 9.30% (stronger) | 9.07% |
| Problem loans | 0.86% | 0.65% (stronger) |
| Net charge-offs | 0.29% | 0.08% (stronger) |
| Return on assets | 0.86% | 1.72% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 80.9% |
| Uninsured deposits | 14.6% (stronger) | 34.9% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 3.9% |
Quail Creek Bank has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 3 and Quail Creek Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.