Compared with Oklahoma
8 of 18
compared fees are above the median.
3 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
57th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 18 compared; 3 below, 7 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for SpiritBank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | SpiritBank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (57th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $204K in Q2 2026, 7.9% above the same quarter a year earlier ($189K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 18 compared published fees sit above the Oklahoma median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Another Chance Checking
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.0% from Q3 2025 to Q2 2026, to $204K. Its share of revenue, 2.3%, is above the 2.1% median for banks with $300M to $1B in assets.
$204K
SpiritBankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
SpiritBank · $913M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| SpiritBank(this institution) | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Bank & Trust Company, Inc. | Bowling Green, KY | $924M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DR Bank | Darien, CT | $913M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Northern Bank and Trust Company | Palmerton, PA | $921M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Southern State Bank | Stevenson, AL | $893M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fortress Bank | Peoria, IL | $897M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Franklin Savings Bank | Franklin, NH | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Banking Company | Greenfield, IN | $930M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Co-operative Bank | Greenfield, MA | $902M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Legends Bank | Clarksville, TN | $928M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lindell Bank & Trust Company | St. Louis, MO | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics Bank | Mansfield, OH | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mechanics Cooperative Bank | Taunton, MA | $899M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Pacific Bank | Everett, WA | $896M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oxford Bank | Oxford, MI | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southwest Heritage Bank | Scottsdale, AZ | $893M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| StonehamBank, A Co-operative Bank | Stoneham, MA | $918M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Terrabank, National Association | Miami, FL | $898M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Juniata Valley Bank | Mifflintown, PA | $918M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Savings Bank | Wakefield, MA | $891M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thrivent Bank | Salt Lake City, UT | $906M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $9.95, against a peer median of $7 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for SpiritBank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $204K | +$6K | +3.0% |
| Q1 2026 | $198K | +$2K | +1.0% |
| Q4 2025 | $196K | −$4K | −2.0% |
| Q3 2025 | $200K | +$11K | +5.8% |
| Q2 2025 | $189K | −$3K | −1.6% |
| Q1 2025 | $192K | −$1K | −0.5% |
| Q4 2024 | $193K | −$9K | −4.5% |
| Q3 2024 | $202K | −$1K | −0.5% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, SpiritBank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to SpiritBank by share.
Amounts from SpiritBank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per transaction
per transaction
per transaction
per transaction
per transaction
per transaction
per month
per transaction
per transaction
per transaction
per item · Bill Pay required - see fee above
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Another Chance Checking Monthly service charge | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (within 90 days of opening) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Research Fee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds (NSF) Fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-SpiritBank ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM/Debit Card Replacement Fee Overnight | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire through Wire Module | $10Below the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Outgoing Wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| Outgoing Foreign Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per transaction | None |
| Outgoing Foreign Wire through Wire Module | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per transaction | None |
| Incoming Foreign Wire | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per transaction | None |
Check Services | |||
| Official Check (customer) | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Image Check Copies | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay (Personal) | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Next Day Bill Pay (Checks only) | $14.95Not compared: Per-transaction charge, not monthly | per transaction | None |
| Same Day Bill Pay (ACH/Electronic Items only) | $9.95Not compared: Per-transaction charge, not monthly | per transaction | None |
| Zelle® (Send Money – Bill Pay required - see fee above) | No chargeNot compared: Per-transaction charge, not monthly | per transaction | None |
| Zelle® (Send Money) | No chargeNot compared: Per-occurrence charge, not monthly | per item | Bill Pay required - see fee above |
Cash & Deposit | |||
| Return of Deposited Item Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository Key | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Service (customers) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (non-customers) | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Garnishment | $25Below the U.S. middle 50% ($30 to $85 nationally) | per transaction | None |
Other Fees | |||
| Duplicate Statements | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopy/Fax | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where SpiritBank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $819.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $819.2M |
Tulsa, OK
2.1% of bank deposits, #15 of 59, up 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| BOKF, National Association | 31.1% |
| Arvest Bank | 7.4% |
| BancFirst | 4.7% |
| Bank of America, National Association | 4.2% |
| Mabrey Bank | 3.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Tulsa, OK, SpiritBank holds 2.1% of bank deposits, #15 of 59, with 6 offices.
353 offices of 81 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 59 institutions shown. $39.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.1% share, 6 offices, #15 of 59
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
87 offices of 22 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
Federal Reserve, against the holding company, Spirit BankCorp, Inc.. Ended December 5, 2019 · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.