Call reports 2026
SPIRITBANK — 2026
What SPIRITBANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 939,588,000 | 912,801,000 |
| Total loans | 618,358,000 | 611,604,000 |
| Allowance for loan losses | 7,691,000 | 7,740,000 |
| Securities available for sale | 123,206,000 | 129,775,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 847,210,000 | 819,218,000 |
| Interest-bearing deposits | 700,347,000 | 678,066,000 |
| Noninterest-bearing deposits | 146,863,000 | 141,152,000 |
| Equity capital | 83,768,000 | 84,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 13,257,000 | 26,495,000 |
| Interest expense | 5,284,000 | 10,391,000 |
| Net interest income | 7,973,000 | 16,104,000 |
| Noninterest income | 578,000 | 1,168,000 |
| Noninterest expense | 5,485,000 | 11,084,000 |
| Provision for loan losses | -750,000 | 865,000 |
| Pretax income | 3,816,000 | 5,363,000 |
| Income tax | 985,000 | 1,384,000 |
| Net income | 2,831,000 | 3,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 84,205,000 | 85,353,000 |
| Total capital | 92,236,000 | 93,393,000 |
| Risk-weighted assets | 649,599,000 | 645,873,000 |
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