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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tulsa, OK · FDIC certificate #4048
SPIRITBANK is an FDIC-insured institution based in Tulsa, OK (FDIC certificate #4048). In its Q3 2026 Call Report it reported total assets of $863M, total deposits of $776M and net loans of $569M. Its primary federal regulator is FDIC.
Reported facts
SPIRITBANK (FDIC certificate #4048) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $863M |
|---|---|
| Total deposits | $776M |
| Net loans and leases | $569M |
| Return on assets | -1.76% |
| Return on equity | -20.13% |
| Net interest margin | 3.63% |
| Quarterly asset change | -5.46% |
| Quarterly deposit change | -5.23% |
Plain-language readout
SPIRITBANK in Tulsa, OK reported total assets of $863M, total deposits of $776M and net loans of $569M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of -1.76%, a return on equity of -20.13%, a net interest margin of 3.63%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $863M | $776M | $569M | -1.76% | -20.13% | 3.63% |
| Q2 2026 | $913M | $819M | $604M | 0.86% | 9.45% | 3.56% |
| Q1 2026 | $940M | $847M | $611M | 1.21% | 13.45% | 3.49% |
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