SpiritBank
REVIEWS
Based on 1 review
HEALTH RATING
D
View health report
CURRENT TOP RATE
1.65% APY
5 Year CD
View all rates
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.65% | 5-year CD | 5 Year CD 2.25% - Bank of Internet USA 60 Month CD |
| 0.90% | 1-year CD | 12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.15% | Savings | Personal Savings 1.20% - Ally Bank Online Savings Account |
Overview / Commentary
SpiritBank is headquartered in Tulsa and is the 14th largest bank in the state of Oklahoma. It is also the 1,059th largest bank in the nation. It was established in 1916 and as of June of 2017, it had grown to 208 employees at 7 locations. SpiritBank has a D health rating.
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Reviews (1)
Spirit Bank Oklahoma Service..
Posted by: mcgsr | Dec 4, 2010
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.
Health
D
Data as of Q2 2017
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. SpiritBank has a negative return on equity.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 4048 |
| Year Established | 1916 |
| Employees | 208 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -5.97% |
| Return on Equity - YTD | -56.5% |
| Annual Interest Income | $14.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $699.5MM$766.5MM |
| Loans | Q2 2017vs Q2 2016 | $485.0MM$651.0MM |
| Deposits | Q2 2017vs Q2 2016 | $551.1MM$514.2MM |
| Equity Capital | Q2 2017vs Q2 2016 | $62.7MM$82.2MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $9.0MM$6.2MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $2.0MM$14.9MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $14.2MM$12.3MM |
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
SpiritBank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $25k* | - | Personal Savings | ||
| OTHER TIERS: 0.05% → $100 - $1k | 0.10% → $1k - $25k | |||||
SpiritBank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.38%* | $100k* | - | VIP Money Market | ||
| OTHER TIERS: 0.05% → $5k - $75k | 0.15% → $75k - $100k | |||||
| 0.20%* | $25k* | - | Premier Money Market | ||
| OTHER TIERS: 0.10% → $10k - $25k | |||||
| 0.05% | $5k | - | Commercial Money Market | ||
SpiritBank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $25k | - | Non-Profit NOW Account | |
| 0.05% | $1,500 | - | NOW Account |
SpiritBank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.65% | $1k | $240k | 5 Year CD | |
| 1.50% | $2,500 | - | 18 Month CD Special | |
| 1.45% | $1k | $240k | 4 Year CD | |
| 1.25% | $1k | $240k | 3 Year CD | |
| 1.15% | $1k | $240k | 24 Month CD | |
| 1.00% | $2,500 | $240k | 7 Month CD Special | |
| 0.90% | $2,500 | $240k | 12 Month CD | |
| 0.55% | $2,500 | $240k | 6 Month CD | |
| 0.40% | $2,500 | $240k | 91 Day CD | |
| 0.10% | $2,500 | $240k | 30 Day CD |
SpiritBank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.21% | - | - | 30 Month Variable IRA | |
| 1.07% | - | - | 18 Month Variable IRA | |
| 1.00% | $100k | - | 18 Month IRA Special | |
| 0.90% | - | - | 30 Month IRA | |
| 0.65% | - | - | 18 Month IRA |
