OK lenders / Community Bank
SpiritBank
Community Bank · Tulsa, OK · Spirit Bankcorp Inc
- Total assets
- $939.6M
- CRE loan book
- $370.8M
- QoQ CRE growth
- 2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.71% as of Q1 2026 — TX bank median 4.87% (1.84pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.71% | 6.86% |
| Q4 2025 | 6.59% | 7.27% |
| Q3 2025 | 6.65% | 7.25% |
| Q2 2025 | 6.47% | 6.90% |
| Q1 2025 | 6.29% | 6.70% |
| Q4 2024 | 6.37% | 6.82% |
| Q3 2024 | 6.24% | 6.67% |
| Q2 2024 | 5.97% | 6.52% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $370.8M | $92.5M | $18.7M | 323% | $4.8M |
| Q4 2025 | $362.6M | $89.8M | $18.5M | 313% | $4.5M |
| Q3 2025 | $345.6M | $75.1M | $9.6M | 305% | $4.3M |
| Q2 2025 | $352.0M | $79.0M | $10.9M | 311% | $4.2M |
| Q1 2025 | $355.4M | $75.5M | $10.7M | 317% | $4.2M |
| Q4 2024 | $365.3M | $77.5M | $8.3M | 326% | $6.5M |
| Q3 2024 | $363.6M | $77.2M | $8.4M | 316% | $11.3M |
| Q2 2024 | $364.8M | $73.5M | $12.0M | 310% | $11.7M |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank MidwestCommunity Bank · Spirit Lake · $372.5M CRE book
- First State Bank of UvaldeCommunity Bank · Uvalde · $373.9M CRE book
- Mid America BankCommunity Bank · Jefferson City · $378.1M CRE book
- CIBM BankCommunity Bank · Champaign · $379.8M CRE book
- Farmers and Merchants Union BankCommunity Bank · Columbus · $380.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.