Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
4815 South Harvard, Suite 100
Tulsa, OK 74135

SpiritBank is headquartered in Tulsa and is the 11st largest bank in the state of Oklahoma. It is also the 792nd largest bank in the nation. It was established in 1916 and as of March of 2014, it had grown to 547 employees at 14 locations. SpiritBank has a B health rating.

Related Posts

Reviews (1)

Spirit Bank Oklahoma Service..

Bristow and Stroud and OKC branches are great locals to do business with. I am a small customer for them but am treated like I own the place.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 SpiritBank had $28.2 million in non-current loans and owned real-estate with $99.91 million in equity and loan loss allowances on hand to cover it. This gives SpiritBank a Texas Ratio of 28.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for SpiritBank decreased dramatically from 41.84% as of March 31, 2013 to 28.22% as of March 31, 2014, resulting in a positive change of 32.55%.This indicates that the balance sheet and financial strength for SpiritBank has improved dramatically in recent periods.

Deposit Growth


In the past year, SpiritBank has decreased its total deposits by -$49.97 million, resulting in -6.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth SpiritBank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. SpiritBank has $857.07 million in assets with $99.91 million in equity, resulting in a capitalization level of 11.66%, which is excellent.

Institution Statistics

FDIC Certificate #4048
Year Established1916
Primary RegulatorFDIC
Assets and Liabilities
Assets$857.07 million
Loans$538.34 million
Deposits$728.57 million
Equity Capital$84.28 million
Loan Loss Allowance$15.64 million
Unbacked Noncurrent Loans$10.70 million
Real Estate Owned$17.50 million
Historic Data - March 2013
Assets$927.48 million
Equity Capital$84.41 million
Loan Loss Allowance$27.10 million
Unbacked Noncurrent Loans$10.70 million
Real Estate Owned$19.78 million
Profit Margin - Quarterly
Net Interest Margin5.48%
Return on Assets0.08%
Return on Equity0.78%
Interest Income$10.57 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not SpiritBank, we are a rate comparison website and can not provide official rates or promotions.

SpiritBank Money Market Rates

0.20%$25k-Premier Money Market
0.05%$5k-Commercial Money Market
0.05%$5k-Indexed Money Market

SpiritBank CD Rates

1.35%$1k-5 Year CD
1.15%$1k-4 Year CD
1.05%$2,500$240k22 Month Ladder CD Special
0.95%$1k-3 Year CD
0.85%$1k-24 Month CD
0.65%$2,500$240k14 Month Ladder CD Special
0.60%$2,500-12 Month CD
0.30%$2,500-6 Month CD
0.15%$2,500-91 Day CD
0.10%$2,500-30 Day CD

SpiritBank IRA Rates

0.90%--30 Month IRA
0.65%--18 Month IRA
0.06%--30 Month Variable IRA
0.03%--18 Month Variable IRA

SpiritBank has 14 locations. Click to view all SpiritBank locations.