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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Spiritbank

Tulsa, Oklahoma · $913M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

74.7%
Loans / deposits
1st of 12
0.87%
ROA
11th of 12
44.0%
CRE / loans
10th of 12

Spiritbank is the seventh largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $913M in assets at 30 June 2026. Loans are 74.7% of deposits, the lowest in the cohort against a median of 89.9%, and equity is 9.2% of assets, 9th of 12. Loans grew +1.8% in the year, 9th of 12, and deposits grew 2.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.86% of the book, 8th of 12 against a median of 0.57%; 0.74% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.29% of loans, 10th of 12. Commercial real estate is 44.0% of loans, 10th of 12 against a median of 38.3%, and 288% of capital, below the 300% screen, with construction at 87% against the 100% screen.

Return on assets is 0.87%, 11th of 12 against a median of 1.34%, on an efficiency ratio of 64.2%, 9th of 12. Five years ago it was 1.10%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 89.9% S Spiritbank 74.7% QC Quail Creek Bank 81.9% FM F & M Bank 82.0% AN American Nation Bank 84.0% VB Vision Bank 84.4% FB First Bank & Trust Co. 88.5% GB Grand Bank 91.2% FN First National Bank of Oklahoma 93.1% SB Security Bank 93.6% FL First Liberty Bank 94.3% PB Prism Bank 96.4% VB Valliance Bank 106.5%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

Spiritbank is the 12th largest 7(a) lender into Oklahoma of 358, with $56M across 70 loans, 1.3% of everything approved in the state (Bancfirst leads with $793M). 20 of its 35 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tulsa, OK$24M8th of 1592.1%-3.4 pts
Oklahoma, OK$7M29th of 1720.7%-2.4 pts
Seminole, OK$4M2nd of 1220.0%thin
Cherokee, OK$4M3rd of 1713.8%quiet FY2021
Rogers, OK$3M10th of 473.6%-12.6 pts
Pawnee, OK$2M4th of 189.5%quiet FY2021
Osage, OK$2M5th of 297.9%thin
Comanche, OK$2M11th of 352.4%quiet FY2019
Creek, OK$1M22nd of 471.4%quiet FY2018
Alfalfa, OK$1M2nd of 435.7%quiet FY2020
Cleveland, OK$1M34th of 880.6%quiet FY2022
Canadian, OK$1M23rd of 650.9%quiet FY2019
Muskogee, OK$902K23rd of 361.1%quiet FY2021
22 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services32$18M30.0%0.02%403rd of 2,596
Manufacturing13$14M22.8%0.03%378th of 2,246
Wholesale trade4$6M9.2%0.02%418th of 1,651
Other services3$5M8.6%0.01%525th of 2,248
Real estate & leasing1$4M6.6%0.03%376th of 1,452
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Spiritbank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans S Spiritbank 1.3% $56M · 70 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
SpiritbankRankCohort median
Total CRE against capital, the 300% screen288%7th of 12264%
Construction against capital, the 100% screen87%9th of 1274%
Construction and land development, share of loans13.3%11th of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans27.7%9th of 1226.9%
Total CRE, the guidance definition, share of loans44.0%10th of 1238.3%
CRE growth over 36 months, the third prong-7.5%1st of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
SpiritbankCohort median
20212026Change20212026Change
Loans$620M$612M-1%$466M$680M+46%
Deposits$594M$819M+38%$558M$784M+40%
NPA / loans0.59%0.86%+0.27 pts0.63%0.57%-0.06 pts
Efficiency69.4%64.2%-5.3 pts61.0%58.4%-2.6 pts
ROA1.10%0.87%-0.23 pts1.51%1.34%-0.16 pts

This read was prepared for Spiritbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Spiritbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.spiritbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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