SPECTRA BANK

FORT WORTH, TX | Small | Est. June 30, 1986, midnight | FDIC #26708 | RSSD #426057 | FDIC
Latest Report: 2025-12-31

SPECTRA BANK is asn small FDIC-insured commercial bank headquartered in FORT WORTH, TX, established in June 30, 1986, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $99M. Profitability stands at 0.30% ROA and 3.41% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 8.57%. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.77%. FDIC Certificate #26708.

Assets

$116M

Deposits

$99M

Loans

$70M

Equity

$10M

Profitability

Return on Assets (ROA) 0.30%
Return on Equity (ROE) 3.41%
Net Interest Margin (NIM) 3.72%
Yield on Assets 6.29%
Cost of Funds 3.58%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio --
Texas Ratio 1.77%
NPA Ratio 0.16%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 8.57%
Tier 1 Capital 8.57%
Total Capital Ratio 9.00%
Leverage Ratio 9.64%
Loan-to-Deposit 70.74%

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