No stored Google rating available.
Regional Oklahoma bank offering personal and business banking services across Tulsa, Sapulpa, and Bristow with over 100 years of community banking history.
Data compiled from public sources
SpiritBank traces its roots to May 16, 1916, when American National Bank was founded in Bristow, Oklahoma by eight local businessmen shortly after Oklahoma's statehood. The bank developed its distinctive "family" atmosphere in the 1930s under Albert Kelly's leadership, establishing what the Kelly family termed the "ministry of banking"—a philosophy focused on fulfilling community needs and dreams. Over the past century, the institution has grown significantly while maintaining family ownership three generations later and expanding its footprint across Oklahoma.
SpiritBank provides a comprehensive suite of banking products for both individuals and businesses, including personal checking and savings accounts, business banking and treasury management services, commercial and small business loans, and robust online and mobile banking platforms. Customers can access their accounts anywhere through desktop, mobile app, or in-person at physical locations in Tulsa, Sapulpa, and Bristow. The bank emphasizes security and fraud prevention, with explicit policies never requesting Online Banking credentials, passwords, or one-time passcodes from customers.
What distinguishes SpiritBank is its deep community integration and statewide focus on economic development initiatives. The bank positions itself as a leader in championing economic development and incentive programs that create jobs and attract companies to Oklahoma. The Kelly family's continued involvement and the bank's century-long presence in Oklahoma communities reflect a genuine commitment to local relationships rather than transactional banking.
SpiritBank is best suited for individuals and businesses seeking relationship-based banking with a community focus. However, as a regional bank serving primarily Oklahoma, it may have limited convenience for out-of-state customers. The website provides basic service information but lacks detailed product specifications, fee schedules, or interest rate transparency that some consumers require for informed decision-making.
This is state-level context for Banks consumers in Tulsa, OK. It does not confirm that Spiritbank or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Spiritbank processed 41 mortgage applications in 2023, with 95.1% recorded as approved across 1 states.
41
Applications
95.1%
Approval Rate
$287K
Avg Loan
1
States Served
Based on 41 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Spiritbank offers 12 services including Personal checking accounts, Personal savings accounts, Business banking services, Treasury management for businesses, Commercial loans, and 7 more.
Spiritbank has profile signals associated with Oklahoma-based individuals and families seeking relationship banking with community roots, Small to mid-sized Oklahoma businesses needing treasury management and business loans, Customers who value family-owned institutions and community economic development, Residents of Tulsa, Sapulpa, Bristow, and surrounding Oklahoma areas with local branch access needs.
Key strengths: Over 100 years of established banking history and stability in Oklahoma communities; Full-service banking for both personal and business customers with treasury management options; Family-owned with three generations of Kelly family leadership ensuring community focus. Areas to consider: Regional bank limited primarily to Oklahoma, with no out-of-state branch access mentioned; Website lacks listed fee schedules, interest rates, or product-specific details needed for comparison.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
SpiritBank is profile signals for Oklahoma residents and businesses seeking stable, community-focused banking from a family-owned regional institution with over a century of local presence. The primary caveat is geographic limitation to Oklahoma service areas and lack of listed pricing/rate information online, requiring direct contact for detailed product and fee comparisons.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with rate claims to verify and local relationship-based service.
Profile signals: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Profile signals: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Profile signals: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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