SpiritBank
Tulsa, OK
IDRSSD: 142955
Total Assets
$937.47M
Latest filing
Total Deposits
$844.34M
Latest filing
Net Interest Margin
3.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
SpiritBank
4815 S Harvard Ave
Tulsa, OK 74135
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/05/1916FDIC Certificate 2624
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| SpiritBank (Main) | 4815 S Harvard Ave | Tulsa, OK |
| SAPULPA BRANCH | 1315 E Taft Ave | Sapulpa, OK |
| SOUTH MEMORIAL BRANCH | 9618 S Memorial Dr | Tulsa, OK |
| BRISTOW BRANCH | 106 N Main St | Bristow, OK |
| 71ST STREET BRANCH | 3800 W 71st St | Tulsa, OK |
| SOUTH BALTIMORE BRANCH | 1800 S Baltimore Ave | Tulsa, OK |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/05/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74135 |
| State and County Number | 40143 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tulsa, OK |
Operational Info
| Number of Employees | 119 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.spiritbank.com |
| Data Updated | 11/14/2025 |
| CERT | 4048 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $937.47M |
| Total Deposits | $844.34M |
| Total Liabilities | $855.24M |
| Total Equity Capital | $82.22M |
| Net Income | $2.15M |
| Net Loans and Leases | $590.48M |
| Assets Per Employee ($Millions) | $7.88M |
| Bank Premises and Fixed Assets | $7.19M |
| Cash and Balances due from Depository Institutions | $211.02M |
| Deposits Held in Domestic Offices | $844.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 10.5% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 65.19% |
| Tier 1 Risk-Based Capital Ratio | 13.4% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.771% |
| Earning Assets to total Assets | 97.43% |
Income and Expense
| Total Interest Income | $13.85M |
| Total Noninterest Income | $241.00k |
| Total Interest Expense | $5.79M |
| Total Noninterest Expense | $5.41M |
| Net Interest Income | $8.06M |
| Pre-tax Net Operating Income | $2.89M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.93M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $258.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.90M |
| Total Liabilities and Capital | $937.47M |
Securities
| Securities | $114.26M |
| Available-for-sale debt securities | $114.26M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of SpiritBank?
$937.47M as of the latest filing.
How much are SpiritBank's total deposits?
$844.34M in total deposits.
Where is SpiritBank located?
Tulsa, OK.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
6.
When was it established?
05/05/1916.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$590.48M (latest filing).
What is the total interest income (latest filing)?
$13.85M.