BanksSPECTRA BANK

SPECTRA BANK

FORT WORTH, TXSmallEst. June 30, 1986, midnightFDIC #26708RSSD #426057FDIC
Latest · 2025-12-31

SPECTRA BANK is an 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%. CET1 capital ratio: 8.57%. NPL ratio: 0.27% · Texas Ratio: 1.77%. Operates 2 domestic branches.

Assets
$116M
Deposits
$99M
Loans
$70M
Equity
$10M

Profitability

Return on Assets (ROA)0.30%
Return on Equity (ROE)3.41%
Net Interest Margin3.72%
Yield on Assets6.29%
Cost of Funds2.62%

Asset Quality

NPL Ratio0.27%
Net Charge-Off Ratio0.00%
Texas Ratio1.77%
NPA Ratio0.16%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio8.57%
Tier 1 Capital8.57%
Total Capital Ratio9.00%
Leverage Ratio9.64%
Loan-to-Deposit70.74%

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