# SPIRITBANK
TULSA, OK · FDIC certificate 4048 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $912.8M | |
| Deposits | $819.2M | |
| Loans and leases | $611.6M | |
| Total equity | $84.4M | |
| Loans / deposits | 73.71% (p32 of band) | 82.04% |
| Liquid assets / assets | 31.41% (p67 of band) | |
| Uninsured deposits / deposits | 14.64% (p12 of band) | 25.97% |
| Brokered deposits | 19.00% | |
| Wholesale funding | 19.00% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.30% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -2.51% (p75 of band) | -8.10% |
| AOCI / equity | -1.43% (p14 of band) | |
| ROA (annualized) | 0.86% (p25 of band) | 1.28% |
| Net interest margin | 3.56% (p31 of band) | 3.91% |
| Efficiency ratio | 64.17% (p59 of band) | |
| Noncurrent loans | 0.86% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.19% (p91 of band) | |
| Reserve coverage of noncurrent | 146.42% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 96.07% (p85 of band) | |
| Auto loans | $2.1M (0.34% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 120 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money | charge-offs p90, reserve under noncurrent |
| 2011-09 | 9 | loans exceed deposits, liquid assets <10%, capital falling, expense ratio p90, reserve under noncurrent |  |
| 2011-12 | 8 |  | expense ratio p90 |
| 2012-03 | 7 | expense ratio p90, assets shrinking | construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2012-06 | 10 | liquid assets <10%, charge-offs p90, deposits shrinking |  |
| 2012-09 | 11 | loans exceed deposits |  |
| 2012-12 | 12 | leverage <7%, noncurrent p90 | loans exceed deposits |
| 2013-03 | 10 |  | liquid assets <10%, noncurrent p90 |
| 2013-06 | 9 | noncurrent p90 | capital falling, leverage <7% |
| 2013-09 | 8 |  | losing money |
| 2013-12 | 7 | uninsured deposits leaving | wholesale funding >15%, noncurrent p90 |
| 2014-03 | 4 |  | brokered >10%, reserve under noncurrent, charge-offs p90 |
| 2014-06 | 6 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | expense ratio p90 |
| 2014-09 | 3 |  | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2014-12 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2015-03 | 8 | wholesale funding >15%, expense ratio p90, charge-offs p90 |  |
| 2015-06 | 7 | noncurrent p90, reserve under noncurrent | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2015-09 | 7 |  |  |
| 2015-12 | 8 | loans-to-lenders >50% equity |  |
| 2016-03 | 8 | assets shrinking | wholesale funding >15% |
| 2016-06 | 8 | wholesale funding >15% | assets shrinking |
| 2016-09 | 7 |  | charge-offs p90 |
| 2016-12 | 5 | brokered >10% | liquid assets <10%, noncurrent p90, reserve under noncurrent |
| 2017-03 | 5 | losing money, charge-offs p90 | loans exceed deposits, expense ratio p90 |
| 2017-06 | 8 | capital falling, expense ratio p90, assets shrinking |  |
| 2017-09 | 7 |  | capital falling |
| 2017-12 | 7 | construction >100% equity | loans-to-lenders >50% equity |
| 2018-03 | 6 | deposits shrinking | losing money, charge-offs p90 |
| 2018-06 | 5 |  | deposits shrinking |
| 2018-09 | 6 | uninsured deposits leaving |  |
| 2018-12 | 5 |  | assets shrinking |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 4 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2019-12 | 4 | deposits shrinking | capital falling |
| 2020-03 | 2 |  | expense ratio p90, deposits shrinking |
| 2020-06 | 2 | capital falling | brokered >10% |
| 2020-09 | 2 | loans exceed deposits | capital falling |
| 2020-12 | 2 | brokered >10%, wholesale funding >15% | construction >100% equity, loans exceed deposits |
| 2021-03 | 2 | charge-offs p90 | wholesale funding >15% |
| 2021-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling, construction >100% equity | charge-offs p90 |
| 2021-09 | 5 | liquid assets <10% | capital falling |
| 2021-12 | 3 |  | brokered >10%, wholesale funding >15% |
| 2022-03 | 2 | brokered >10% | loans exceed deposits, liquid assets <10% |
| 2022-06 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2022-09 | 6 | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent | wholesale funding >15%, uninsured deposits leaving |
| 2022-12 | 7 | uninsured deposits leaving |  |
| 2023-03 | 7 | wholesale funding >15%, assets shrinking | loans exceed deposits, uninsured deposits leaving |
| 2023-06 | 5 |  | liquid assets <10%, assets shrinking |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 | capital falling | construction >100% equity |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 | charge-offs p90 | capital falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | capital falling |  |
| 2025-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | construction >100% equity | reserve under noncurrent |
| 2026-03 | 4 | reserve under noncurrent | capital falling |
| 2026-06 | 3 | charge-offs p90 | construction >100% equity, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [BancFirst Corporation Announces Acquisition of SpiritBank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTGdOSEhyYkJYZF9XMUlseDlyeHBEQ1R5MnFMa3NFR2xHdXFMX3NHQ0lrZlBUcnNVTWJ2TGQ2U2JxdEk0VFQyOEY5RF9wUG4zNzAydlB1Z2VXMU8xNFNMQmpnMFJhZTgzMUhNSHBia0FsWXMwamlHY2lldEZ1ZzEtbjNSVUZQQVUxNmZ5Zl9jODBlR1lCZWw4TUNSdGJlbDhELW11cW1qNHIzbk5oMWtzbzBzNA?oc=5) · PR Newswire
- 2026-06-12 [Oklahoma’s BancFirst to buy SpiritBank, boost Tulsa presence - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxONWxxZFlaWlVQaUVvM3g2VHF2T21rdW9iUk83RVFmNGgxZEFHZHR6VWh4SHJvbFlaa09UeXpVTTM3bWV0QTVkUDJpQTVISnBsWm1PR2NvT3VUWXhwZjQ4UWVtZXA4RVV5Q1AzRk1rWHJ2c1lBOWJqbEh2eU8tVmxIb201aHhra1NHYXh2Z0dEM0JfYnJhOGZB?oc=5) · Banking Dive
- 2026-06-12 [BancFirst to acquire Tulsa-based SpiritBank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOakp4al85X0xKRldKQjFMWlFCTjVvTFFUX0JWcWdkSzBMMkxVd3VWNVU0Y1J1ZWhfMTIwSVdIZEhDYkV6eXJaY3o3MGE1U0lRaW1SM3MwdTg2TUhNeU9WS1kyRE16aXNFdHlSQ3JRMjN3S2pULW5BeTVUZFd1TnpKdG1URVpTZ21P?oc=5) · journalrecord.com
- 2026-06-11 [BancFirst Corporation Announces Acquisition of SpiritBank - Sapulpa Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSEhOQVZ1WU0ydVFiYzdrOURWb0EweENndUwzaXBtd2RMOTdvSDNHSDJPcUJNMVRDSkFRODMzc3dpQUVEMTRyaEdfUWE0a0I2YkoxSWs5UFUtTDZZV2p2QWJmVXNKWmpLc3M2RXZQbERDNmtCSEpQNjJ5alFwUEJ4Tm9fRXJydk5lU0hN?oc=5) · Sapulpa Times
- 2026-06-11 [BancFirst to bulk up in Tulsa by acquiring Oklahoma rival - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQT1I0ODdUcVZTbDZDLUNxZl9zclVMcEZOMDdzYzRCeDVhUUlaREt1YmNaM0lIS1I5SUxNZDhPWmluYTlHTVYxR01TUElHYzFHM251VHFGazJ6UzE2dXlTVUZwMkp3a2ZvM1ptR2hCcDB3aUJDaDhwbVZIWldzY2RCRm9YWUI4anR3WTE3N3I4N080cFJZeFhMcQ?oc=5) · American Banker
- 2026-06-10 [Oklahoma’s BancFirst moves to acquire Tulsa-based SpiritBank - Stock Titan](https://news.google.com/rss/articles/CBMirgFBVV95cUxOcngzMmV5Vjd1NG1MTk9KVFNIRVN5VHN1R2xYcGpNZ1l0WTRlTW5IdWxHckFMVUU5VWx3aXV0V0l5X2VhS1NVN1hNY3ZXTFBxbUdSd1p3VEtlRlhnWnNZTzRjUWlPSWZiLWlDMjEwY3ptN2xWSXZSNUxuWW5ZaGNYdjV3bTU4Qm56ekxIbk1oaW9kRnpKdnpuNTAwbEszckI0RWFHNFRyeWhXWFVmS2c?oc=5) · Stock Titan
- 2025-06-10 [Thompson Named to Serve on Oklahoma Bankers Association Board of Directors - MVSKOKE Media](https://news.google.com/rss/articles/CBMipwFBVV95cUxNQXM1c3BlZnlHdmItc2NNU3NnRW43c1F3Uk41dlZRdUdTcW91TzNpelp2ckY5QWFKNDltRVJoTFNNbUp1M0RyYWVRRTBtbjN6dVVxZGNCNjBEY1hmTEhORXNGMWtNenh5Unl2MVFzVjRQZ3FPX3ZWU3RuMVEwOUhBUmZjQ3FBbzE4cGJaN1BpZURyTElYSTVoMmlmMUEzNUhibGlYSnM0MA?oc=5) · MVSKOKE Media
- 2026-06-10 [BancFirst announces plans to acquire Tulsa-based SpiritBank - News On 6](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZ0I4a3VJSEZTdlBBT3UwYWxZemdOSTNoRmdoNjR6a2pGVG9HVFJFV3hXUW9tamd2SjVjVmdIQ2VqelNvTFhmWDUzQ3oxUTdzcmFFRU51MmhzRGZ6MU9id04xQjYzUFhERVVFeHFCcFowd1VwRm53V0hldVZYU1FFQ1g4X3ItRnhNWXAwR0N4bkhIeXVlNUpkQ2UwZWtZVUJEU0IzNXhB?oc=5) · News On 6

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4048 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "4048", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide