Spectra Bank: Balance Sheet
Data as of · Call Report Schedule RC How we update
Assets, liabilities and equity as reported on Schedule RC, the statement every other page on this profile is derived from.
Premises and fixed assets climbed 413.7% in Q2 2026, from $1.1M to $5.8M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Spectra Bank is 295th of 346 on total assets, $126.7M as of Q2 2026, below the middle of the field. Spectra Bank's total assets of $126.7M is well below the $327.0M median for banks in the $100M-1B asset tier, a gap of 61% (Q2 2026).
Assets
| Line item | Q2 2026 |
|---|---|
| Total assets | $126.7M |
| Cash and balances due from depository institutions | $14.4M |
| Total securities | $19.4M |
| Fed funds sold and reverse repos | $0 |
| Net loans and leases | $86.3M |
| Loans held for sale | $0 |
| Trading account assets | $0 |
| Premises and fixed assets | $5.8M |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $1K |
| All other assets | $798K |
Liabilities
| Line item | Q2 2026 |
|---|---|
| Total liabilities | $117.2M |
| Total deposits | $110.8M |
| Fed funds purchased and repos | $0 |
| Trading liabilities | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| All other liabilities | $385K |
Equity capital
| Line item | Q2 2026 |
|---|---|
| Total equity capital | $9.5M |
| Common stock | $1.2M |
| Common stock surplus | $10.1M |
| Retained earnings | -$909K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$938K |
| Total liabilities and equity capital | $126.7M |
Balance Sheet trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Balance Sheet by quarter
| Quarter | Total assets | Total liabilities | Net loans and leases | Securities | Cash and balances due |
|---|---|---|---|---|---|
| Q3 2023 | $83.6M | $80.5M | $49.3M | $17.3M | $15.2M |
| Q4 2023 | $84.1M | $80.9M | $50.2M | $15.9M | $16.1M |
| Q1 2024 | $82.7M | $79.5M | $50.5M | $15.7M | $14.5M |
| Q2 2024 | $84.3M | $81.0M | $52.0M | $15.8M | $14.5M |
| Q3 2024 | $99.9M | $96.0M | $49.6M | $16.3M | $32.2M |
| Q4 2024 | $102.8M | $99.1M | $53.0M | $15.9M | $31.5M |
| Q1 2025 | $103.1M | $94.1M | $56.5M | $16.2M | $28.1M |
| Q2 2025 | $105.1M | $95.7M | $63.3M | $14.3M | $25.0M |
| Q3 2025 | $107.0M | $97.2M | $68.1M | $14.4M | $22.0M |
| Q4 2025 | $115.9M | $106.0M | $69.4M | $19.5M | $24.5M |
| Q1 2026 | $127.1M | $117.2M | $75.1M | $19.4M | $30.1M |
| Q2 2026 | $126.7M | $117.2M | $86.3M | $19.4M | $14.4M |
Spectra Bank balance sheet, all the way back
Balance Sheet back to 2001 · peer percentiles on every line item · Excel export
Unlock Spectra Bank, freeSource: Call Report Schedule RC, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spectra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)