Vitals
  • Total Assets
    755.6M 14.6 %
  • Total Deposits
    534.0M 5.8 %
  • Total Net Loans
    575.9M 3.9 %
  • Net Income
    3.7M 254.5 %
  • Book Value
    84.4M 4.2 %
  • Book Value x2
    168.8M 4.2 %
  • Book Value x3
    253.2M 4.2 %
ROAA

.537

ROAE

4.481

Efficiency Ratio

90.45

Net Interest Margin

4.657

Balance Sheet Highlights
Financial Highlights Spiritbank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 755,552 202,868
Total Net Loans 575,879 137,756
Total Deposits 533,995 172,449
Total Equity 84,398 21,595
Profitability
Net Income 3,694 2,672
Return on Average Assets .537 1.261
Return on Average Equity 4.481 11.655
Net Interest Margin 4.657 4.163
Efficiency Ratio 90.45 67.201
Noninterest Income/Revenue 44.22 16.695
Balance Sheet Ratios
Loan-to-Deposit 107.844 75.305
Securities/Assets .07 .172
Total Equity/Total Assets .112 .106
Tangible Equity/Tangible Assets .111 .104
Capital Adequacy
Tier 1 Common Capital 81,294 21,413
Tier 1 Capital 81,294 21,413
Tier 2 Capital 8,404 1,666
Total Capital 89,698 23,103
Total Risk Weighted Assets 670,275 150,667
Leverage Ratio 11.04 10.837
Common Equity Tier 1 Capital Ratio 12.13 15.74
Tier 1 Capital Ratio 12.13 15.742
Total Capital Ratio 13.38 16.809

Timeline for Spiritbank

Spirit Ok Development Llc

Spirit Ok Development Llc became a new subsidiary organization for Spiritbank.

View Profile Feb 13 2007

Spirit Development Llc

Spirit Development Llc became a new subsidiary organization for Spiritbank.

View Profile Feb 10 2007

Colcord Credit Llc

Colcord Credit Llc became a new subsidiary organization for Spiritbank.

View Profile Jun 01 2005

Bristow Fwa Investment, Llc

Bristow Fwa Investment, Llc became a new subsidiary organization for Spiritbank.

View Profile Dec 02 2004

American Southwest Mortgage Corp.

American Southwest Mortgage Corp. became a new subsidiary organization for Spiritbank.

View Profile Aug 30 2002

Want to see more?

Complete timeline for Spiritbank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Central Oklahoma Bank Seller 12,797 Acquisition Discontinued 12/21/1995
Cimarron Federal Savings Association Seller 505,490 Failure 5/22/1993
Citizens Bank, National Association Seller 9,318 Discontinued 1/1/1989
The First National Bank And Trust Company Of Cushing Seller 60,298 Failure 3/11/1988
First State Bank Seller 13,161 Failure 2/12/1988
The Citizens Bank Seller 35,121 Failure 9/25/1987
Relationships Role Relationship Start Relationship End
Spirit Bankcorp, Inc. Parent 8/7/1998
Spirit Bankcorp, Inc. Parent 11/3/1993 8/6/1998
Spirit Bankcorp, Inc. Parent 7/17/1992 11/2/1993
Spirit Bankcorp, Inc. Parent 12/31/1982 7/16/1992
Spirit Bankcorp, Inc. Parent 12/31/1981 12/30/1982
Spirit Bankcorp, Inc. Parent 10/9/1981 12/30/1981
American Southwest Mortgage Corp. Subsidary 6/30/2007
Spirit Insurance Agency Subsidary 6/30/2007
Bristow Fwa Investment, Llc Subsidary 12/2/2004
Spirit Development Llc Subsidary 2/10/2007 8/18/2016
Spirit Ok Development Llc Subsidary 2/13/2007 8/18/2016
Spirit Resources Corp. Subsidary 6/30/2007 6/28/2016
Spirit Management Corp. Subsidary 6/30/2007 6/28/2016
Colcord Credit Llc Subsidary 6/1/2005 8/2/2012
American Southwest Mortgage Corp. Subsidary 8/30/2002 6/29/2007
Spirit Insurance Agency Subsidary 1/21/1999 6/29/2007
Spirit Resources Corp. Subsidary 8/20/2002 6/29/2007
Spirit Management Corp. Subsidary 8/20/2002 6/29/2007
Similar Organizations
Organization City State Total Assets
Biscayne Bank
 		Coconut Grove FL 747.2M
Evergreen Bank Group
 		Oak Brook IL 762.4M
Pinnacle Bank
 		Keene TX 729.0M
Meridian Bank
 		Paoli PA 747.7M
The Pitney Bowes Bank, Inc.
 		Salt Lake City UT 724.6M
The Fidelity Deposit And Discount Bank
 		Dunmore PA 771.1M
Bank Of Putnam County
 		Cookeville TN 744.6M
Katahdin Trust Company
 		Patten ME 743.7M
Illinois Bank & Trust
 		Rockford IL 748.8M
The Park Bank
 		Madison WI 776.4M