Spectra Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 39.13 percentage points higher than in Q1 2026, at 395.67%. Within Texas, Spectra Bank is 134th of 346 on loan-to-deposit ratio, 78.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Spectra Bank reported 78.71% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.2M |
| Net loans and leases | $86.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.82% |
| Loan-to-deposit ratio | 78.71% |
| Net loans to equity capital | 9.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.73% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.22% |
| Consumer | 7.63% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 395.67% |
| Construction concentration (Tier 1 capital + allowance) | 110.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $50.1M | $76.5M | 63.45% | 17.71% | 0.82% |
| Q4 2023 | $51.0M | $80.2M | 63.64% | 17.54% | 0.72% |
| Q1 2024 | $51.2M | $77.9M | 64.72% | 18.74% | 0.59% |
| Q2 2024 | $52.8M | $80.7M | 65.20% | 17.01% | 1.09% |
| Q3 2024 | $50.3M | $95.6M | 66.23% | 16.52% | 1.23% |
| Q4 2024 | $53.7M | $98.1M | 65.22% | 16.19% | 1.46% |
| Q1 2025 | $57.2M | $93.3M | 63.15% | 15.68% | 1.90% |
| Q2 2025 | $64.0M | $94.9M | 62.99% | 16.57% | 1.91% |
| Q3 2025 | $68.9M | $96.5M | 63.10% | 17.59% | 1.70% |
| Q4 2025 | $70.1M | $99.2M | 63.51% | 15.84% | 1.65% |
| Q1 2026 | $76.0M | $110.4M | 67.59% | 16.07% | 1.40% |
| Q2 2026 | $87.2M | $110.8M | 60.73% | 15.22% | 7.63% |
Spectra Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spectra Bank, freeSource: Call Report Schedule RC-C, 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)