SPIRITBANK
TULSA, OKLAHOMA · FDIC Cert #4048
Capital & Safety Analysis
According to FDIC financial data, SPIRITBANK holds a Tier 1 capital ratio of 13.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SPIRITBANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SPIRITBANK shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SPIRITBANK has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 13.06%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SPIRITBANK holds $766M in total assets and $678M in total deposits. It is located in TULSA, OKLAHOMA (FDIC Certificate #4048).
SPIRITBANK has a Tier 1 capital ratio of 13.06%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 3.03%, and the return on assets is 0.40%.
Yes. SPIRITBANK is FDIC-insured (Certificate #4048). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.