Bank · FDIC insured
SpiritBank
A $912.8M bank headquartered in Tulsa, OK, with 6 branches in Oklahoma. Best rates: CDs 3.95% and savings 0.75% APY.
SpiritBank Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#26 of 44 in Tulsa, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About SpiritBank
Founded on May 16, 1916, as American National Bank in Bristow, Oklahoma, SpiritBank was established by a consortium of eight local businessmen.
The Kelly family became involved in the 1930s when Albert Kelly became board chairman and remains an integral part of the bank three generations later.
SpiritBank serves individuals and businesses across Oklahoma, with locations in Tulsa, Sapulpa, and Bristow.
- Headquarters
- 4815 S Harvard Ave, Tulsa, OK 74135
- FDIC certificate
- 4048 ↗
Branches
6 branches in Oklahoma
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Oklahoma
6 branches
- SpiritBankMain office4815 S Harvard Ave, Tulsa, OK 74135Directions
- Bristow Branch106 N Main St, Bristow, OK 74010Directions
- Sapulpa Branch1315 E Taft Ave, Sapulpa, OK 74066Directions
- 71st Street Branch3800 W 71st St, Tulsa, OK 74132Directions
- South Baltimore Branch1800 S Baltimore Ave, Tulsa, OK 74119Directions
- South Memorial Branch9618 S Memorial Dr, Tulsa, OK 74133Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.30% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.86% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.86% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $75 | $81 | — |
- CapitalLeverage ratio9.30%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.86%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.86%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$75Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of SpiritBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.