SpiritBank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $940M | $847M | $611M | $84M | $3M | 1.21% | 13.45% | 3.49% | 1.39% |
| Q4 2025 | $936M | $843M | $605M | $85M | $4M | 1.35% | 14.40% | 3.66% | 1.22% |
| Q3 2025 | $937M | $844M | $590M | $82M | $2M | 1.17% | 12.33% | 3.64% | 1.48% |
| Q2 2025 | $891M | $800M | $593M | $81M | $4M | 1.30% | 13.27% | 3.64% | 1.73% |
| Q1 2025 | $828M | $738M | $588M | $81M | $2M | 0.92% | 9.05% | 3.72% | 2.08% |
| Q4 2024 | $760M | $672M | $604M | $80M | $-257K | 0.18% | 1.73% | 3.63% | 2.36% |
| Q3 2024 | $778M | $687M | $595M | $82M | $560K | 0.28% | 2.74% | 3.52% | 2.96% |
| Q2 2024 | $766M | $678M | $597M | $80M | $442K | 0.28% | 2.73% | 3.46% | 3.03% |
| Q1 2024 | $777M | $690M | $596M | $79M | $643K | 0.33% | 3.25% | 3.35% | 2.89% |
| Q4 2023 | $770M | $680M | $602M | $79M | $2M | 0.90% | 8.24% | 3.85% | 2.97% |
| Q3 2023 | $716M | $630M | $611M | $78M | $2M | 0.90% | 8.12% | 3.91% | 2.28% |
| Q2 2023 | $711M | $625M | $605M | $78M | $2M | 0.92% | 8.24% | 3.94% | 1.77% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.