Side-by-side · Q2 2026 data
Vision Bank vs SpiritBank
Metric by metric
| Measure | Vision Bank | SpiritBank |
|---|---|---|
| TellerScore | 47 | 63 (stronger) |
| Capital cushion | 42 | 43 (stronger) |
| Loan quality | 14 | 71 (stronger) |
| Earnings | 71 (stronger) | 54 |
| Funding & liquidity | 71 | 87 (stronger) |
| Problem-loan coverage | 57 | 88 (stronger) |
| Peer percentile | 5th | 24th |
| Total assets | $999.6M | $912.8M |
| Deposits / shares | $836.0M | $819.2M |
| Capital ratio | 9.20% | 9.30% (stronger) |
| Problem loans | 2.59% | 0.86% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 1.29% (stronger) | 0.86% |
| Loans ÷ deposits | 82.9% | 73.7% (stronger) |
| Uninsured deposits | 20.4% | 14.6% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.9% |
SpiritBank has the higher TellerScore (63 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Vision Bank leads on 2 and SpiritBank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.