Spectra Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spectra Bank of Fort Worth, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.16% | 1.34% | -2.50% | 2nd bottom |
| ROAE | -15.82% | 13.32% | -29.14% | 1st bottom |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 111.69% | 61.13% | +50.56% | 2nd bottom |
| PPNR / Avg Assets | -0.56% | 1.68% | -2.24% | 2nd bottom |
| Yield on Earning Assets | 6.62% | 5.67% | +0.95% | 90th top |
| Cost of Funds | 2.42% | 1.88% | +0.54% | 17th bottom |
| Net Interest Spread | 2.88% | 3.32% | -0.44% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.93% | 0.16% | +0.77% | 3rd bottom |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 208.33% | 1395.71% | -1187.38% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 7.88% | 12.14% | -4.26% | 2nd bottom |
| Equity / Assets | 7.51% | 11.37% | -3.86% | 9th bottom |
| TCE / Tangible Assets | 7.50% | 11.09% | -3.59% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.71% | 80.64% | -1.93% | 54th above |
| Core Deposit Ratio | 81.50% | 86.86% | -5.36% | 19th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.75% | 5.03% | -0.28% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.53% | 6.85% | +13.68% | 95th top |
| Loan Growth (Y/Y) | 36.13% | 7.90% | +28.23% | 98th top |
| Deposit Growth (Y/Y) | 16.72% | 6.29% | +10.43% | 92nd top |
See Spectra Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spectra Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spectra Bank profile, how to read a UBPR, or how this data updates.