Bank call report · Fort Worth, TX
Spectra Bank Call Report
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Spectra Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 197 reported line items, schedule by schedule (475 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 426057 |
| FDIC certificate number | 26708 |
| Total assets | $126.7M |
Official Q2 2026 call report PDF (FFIEC) →
Spectra Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Spectra Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $126.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $126.7M |
| Total Liabilities and Minority Interest | RCON2948 | $117.2M |
| Total Deposits | RCON2200 | $110.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $87.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $86.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $72.6M |
| Deposits: Noninterest-bearing | RCON6631 | $38.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $19.4M |
| Surplus | RCON3839 | $10.1M |
| Total Equity Capital | RCON3210 | $9.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $9.5M |
| Interest-bearing Balances | RCON0071 | $8.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.0M |
| Other Borrowed Money | RCON3190 | $6.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.8M |
| Common Stock | RCON3230 | $1.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$938K |
| Undivided Profits and Capital Reserves | RCON3632 | -$909K |
| Allowance for Loan and Lease Losses | RCON3123 | $876K |
| Other Assets | RCON2160 | $798K |
| Other Liabilities, Total | RCON2930 | $385K |
| Intangible Assets | RCON2143 | $1K |
Schedule RI: Income Statement (33 items)
About Schedule RI · Spectra Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.1M |
| Total Noninterest Expense | RIAD4093 | $3.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.3M |
| Net Interest Income | RIAD4074 | $2.2M |
| Total Interest Expense | RIAD4073 | $1.4M |
| Salaries and Employee Benefits | RIAD4135 | $1.3M |
| Total Noninterest Income | RIAD4079 | $1.2M |
| Other Noninterest Expense | RIAD4092 | $910K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $779K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $744K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $659K |
| Other Noninterest Income | RIADB497 | $639K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $595K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $439K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $247K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $222K |
| Provision for Loan and Lease Losses | RIAD4230 | $200K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $200K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $124K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $124K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $124K |
| Net Income (Loss) | RIAD4340 | $124K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $124K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $123K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $110K |
| Other Interest Expense | RIADGW44 | $107K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $78K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $72K |
| Interest on Other Securities | RIAD4060 | $22K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 24 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · Spectra Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $20.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $19.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $18.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $7.3M |
| Pledged Securities | RCON0416 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $5.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.2M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $1.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $998K |
Schedule RC-C, Part I: Loans and Leases (19 items)
About Schedule RC-C, Part I · Spectra Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $87.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $57.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $33.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $32.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $20.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $15.3M |
| Commercial and Industrial Loans | RCON1766 | $13.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $11.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $7.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $6.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $5.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $1.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $674K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $464K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $309K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $156K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $52K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $21K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $12.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $581K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $166K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $80K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 21 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 17 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Spectra Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $71.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $62.7M |
| Total Transaction Accounts | RCON2215 | $39.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $39.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $38.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $32.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $31.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $26.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $20.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $20.5M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $15.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $14.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $13.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $8.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $4.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $4.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $3.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $762K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $624K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $248K |
Schedule RC-F: Other Assets (2 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $181K |
| Other Expenses Accrued and Unpaid | RCON3646 | $160K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $24K |
| All Other Liabilities | RCON2938 | $20K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Spectra Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $132.6M |
| Quarterly Average of Total Loans | RCON3360 | $84.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $64.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $35.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $23.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $18.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $14.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $13.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $11.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $6.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $1.8M |
| All Other Securities | RCONB560 | $1.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $920K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $53K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Spectra Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $269K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Spectra Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $4.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.7M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $2.0M |
| All other intangible assets | RCONJF76 | $1K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (4 items)
About Schedule RC-N · Spectra Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.7M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $2.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $476K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $264K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Spectra Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $132.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $111.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $59.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $50.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $10.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $634K |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $254K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,421 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 70 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 19 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Spectra Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $132.6M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $132.6M |
| Total Assets | RCOA2170 | $126.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $12.9M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $12.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $10.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $10.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $10.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $9.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$938K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$938K |
| Retained Earnings | RCOAKW00 | -$909K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1018 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0788 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $9.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $9.9M |
| Total Equity Capital | RIAD3210 | $9.5M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$400K |
| Other Comprehensive Income | RIADB511 | -$153K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Spectra Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $196K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $196K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $100K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $100K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Spectra Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $876K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $772K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $196K |
Spectra Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Spectra Bank call report?
The Spectra Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Spectra Bank file?
Spectra Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Spectra Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Spectra Bank has Federal Reserve RSSD ID 426057 and FDIC certificate number 26708. Either one finds its filings on the FFIEC Central Data Repository.
How often does Spectra Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Spectra Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)