Spectra Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Spectra Bank spends more to run itself than most banks of its size. The Fort Worth, Texas bank had $127 million in assets at June 30, 2026, up 20.5% from a year earlier. It loses about $1.16 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 112 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $384,000 in the quarter. Over the same year, loans grew 36.1% and deposits grew 16.7%. Where it has less room is capital: it funds 7.88% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Spectra Bank reported a return on assets of -1.16%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2000 Handley Ederville Rd, Fort Worth, TX 76118
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 30, 1986
- Former names
- Riverbend Bank (2002-2017)
- Offices
- 2 domestic
- Employees (FTE)
- 24
- Domestic deposits
- $110.8M
- Allowance for credit losses
- $876K
- Net charge-offs (YTD)
- $96K
- Average total assets
- $132.6M
- Average total loans
- $84.5M
- Average interest-bearing deposits
- $74.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 30, 1986
- FDIC Cert
- 26708
- Fed RSSD
- 426057
- SEC CIK
- 1733423 → filed by RIVERBEND FINANCIAL CORPORATION
- Website
- www.spectra.bank →
- Parent Holding Company
- RIVERBEND FINANCIAL CORPORATION (RSSD 3391679)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Spectra Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Spectra Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Spectra Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 7.88% | -1.16% | 0.00% | 0.00% | 4.11% |
| Q1 2026 | 9.24% | 1.73% | 0.25% | 1.75% | 3.78% |
| Q4 2025 | 9.64% | 0.30% | 0.27% | 1.77% | 3.93% |
| Q3 2025 | 9.91% | 1.04% | 0.27% | 1.80% | 4.19% |
| Q2 2025 | 9.79% | 0.87% | 0.30% | 1.88% | 3.58% |
| Q1 2025 | 9.88% | 0.28% | 0.33% | 1.96% | 2.53% |
| Q4 2024 | 5.29% | 0.78% | 0.35% | 4.24% | 2.93% |
| Q3 2024 | 5.53% | 0.45% | 0.38% | 4.06% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spectra Bank (main office) | Fort Worth , TX | 76118 | $78.0M |
| Dallas Office Branch | Dallas , TX | 75234 | $32.8M |
Regulatory record
What the public regulatory sources show for Spectra Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 14, 2023, Federal Reserve: Written Agreement: Riverbend Financial Corporation, Fort Worth, Texas
- Period: Most recent institution action February 14, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 361 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $13.3M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Spectra Bank
What are Spectra Bank's total assets?
As of the Q2 2026 filing, Spectra Bank reported total assets of $126.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Spectra Bank headquartered?
Spectra Bank is headquartered in Fort Worth, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Spectra Bank founded?
Spectra Bank was established in 1986, per the FDIC institution directory.
Is Spectra Bank FDIC-insured?
Yes. Spectra Bank is an FDIC-insured commercial bank (FDIC Certificate #26708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spectra Bank?
Spectra Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Spectra Bank operate?
Spectra Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spectra Bank's Texas Ratio?
Spectra Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Spectra Bank previously called?
The charter now named Spectra Bank has also operated as Riverbend Bank (2002-2017), per FDIC structure-change records.
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