Spiritbank is a bank based in Tulsa, Oklahoma, established in 1916, with $940 million in total assets across 6 branches. By Trust Grade it ranks 115th of 170 banks we track in Oklahoma. Its capital ratio of 8.9% trails most similarly sized banks (28th percentile), versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against Spiritbank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Spiritbank compares to Oklahoma peers
How we graded Spiritbank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Spiritbank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 1315 E Taft Ave, Sapulpa, OK 74066
- 9618 S Memorial Dr, Tulsa, OK 74133
- 106 N Main St, Bristow, OK 74010
- 4815 S Harvard Ave, Tulsa, OK 74135
- 3800 W 71st St, Tulsa, OK 74132
- 1800 S Baltimore Ave, Tulsa, OK 74119
Are deposits at Spiritbank insured?
Yes. Spiritbank is an FDIC-insured bank (FDIC certificate #4048). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Spiritbank: frequently asked questions
Is Spiritbank a good bank?
Spiritbank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Strongly profitable (ROA 1.21%).
Is Spiritbank FDIC-insured?
Yes. Spiritbank is a FDIC-insured bank (FDIC certificate #4048). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Spiritbank?
Spiritbank holds $940 million in total assets, ranking 115th of 170 banks we track in Oklahoma. It operates 6 branches.
Does Spiritbank have CFPB complaints?
No CFPB complaints against Spiritbank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
