| Metric | SpiritBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +1.9% | +5.3% | -3.4 pts |
| ROA | 0.86% | 1.28% | -0.4 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $912.8M | $819.2M | $603.9M | $84.4M | $4.0M | 0.86% | 3.56% | 0.60% |
| Q1 2026 | $939.6M | $847.2M | $610.7M | $83.8M | $2.8M | 1.21% | 3.49% | 0.92% |
| Q4 2025 | $936.3M | $843.3M | $605.2M | $84.6M | $11.8M | 1.35% | 3.66% | 0.80% |
| Q3 2025 | $937.5M | $844.3M | $590.5M | $82.2M | $7.5M | 1.17% | 3.64% | 1.15% |
| Q2 2025 | $890.6M | $800.0M | $592.6M | $81.2M | $5.4M | 1.30% | 3.64% | 1.43% |
| Q1 2025 | $827.7M | $738.0M | $587.6M | $81.1M | $1.8M | 0.92% | 3.72% | 1.82% |
| Q4 2024 | $760.0M | $671.8M | $603.8M | $80.4M | $1.4M | 0.18% | 3.63% | 1.99% |
| Q3 2024 | $778.2M | $687.4M | $595.4M | $82.0M | $1.6M | 0.28% | 3.52% | 2.42% |
Loan mix (Q2 2026): real estate $445.0M · commercial $152.7M · consumer $7.7M · securities $129.8M
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.28% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 61.2% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | SpiritBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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