Bank Safety Analysis
Is Spectra Bank Safe? Fort Worth, Texas
Based on its Q2 2026 call report, Spectra Bank does not report every capital ratio a capital category needs, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
Spectra Bank does not report a regulatory capital ratio for Q2 2026, so no capital verdict is shown.
- CET1 ratio (Q2 2026): not reported
- Tier 1 leverage ratio (Q2 2026): 7.88%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
Spectra Bank is an FDIC-insured commercial bank (FDIC Certificate #26708). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Spectra Bank is outside the pass range on 1 of 4 safety dimensions: operating efficiency. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
Return on assets dropped 2.89 percentage points in Q2 2026, from 1.73% to -1.16%. It was the largest change from Q1 2026 among the key lines here. On leverage ratio, Spectra Bank is 6th from the bottom among 346 Texas banks, 7.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 10.95% on leverage ratio. Spectra Bank sits 3.08 points lower, at 7.88% (Q2 2026). From Q3 2023 to Q2 2026, Spectra Bank's CET1 ratio ranged between 8.19% (Q4 2024) and 8.53% (Q1 2024) and its Texas ratio ranged between 0.00% (Q2 2026) and 15.99% (Q3 2023). Between Q2 2025 and Q2 2026, Spectra Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.30% to 0.00%, Texas ratio fell from 1.88% to 0.00% and return on assets fell from 0.87% to -1.16%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Capital data not available for this period.
Tier 1 leverage of 7.88% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 111.7% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 78.71% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 395.67% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 6 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2024 | 8.19% |
| Q3 2024 | 8.46% |
| Q2 2024 | 8.39% |
| Q1 2024 | 8.53% |
| Q4 2023 | 8.42% |
| Q3 2023 | 8.35% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 1.75% |
| Q4 2025 | 1.77% |
| Q3 2025 | 1.80% |
| Q2 2025 | 1.88% |
| Q1 2025 | 1.96% |
| Q4 2024 | 4.24% |
| Q3 2024 | 4.06% |
| Q2 2024 | 4.62% |
| Q1 2024 | 0.00% |
| Q4 2023 | 15.12% |
| Q3 2023 | 15.99% |
Spectra Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.00% | 0.00% | -1.16% |
| Mar 31, 2026 | — | 0.25% | 1.75% | 1.73% |
| Dec 31, 2025 | — | 0.27% | 1.77% | 0.30% |
| Sep 30, 2025 | — | 0.27% | 1.80% | 1.04% |
| Jun 30, 2025 | — | 0.30% | 1.88% | 0.87% |
| Mar 31, 2025 | — | 0.33% | 1.96% | 0.28% |
| Dec 31, 2024 | 8.19% | 0.35% | 4.24% | 0.78% |
| Sep 30, 2024 | 8.46% | 0.38% | 4.06% | 0.45% |
| Jun 30, 2024 | 8.39% | 0.36% | 4.62% | 0.34% |
| Mar 31, 2024 | 8.53% | 0.00% | 0.00% | 0.50% |
| Dec 31, 2023 | 8.42% | 1.18% | 15.12% | -1.25% |
| Sep 30, 2023 | 8.35% | 1.23% | 15.99% | -0.25% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Spectra Bank FDIC insured?
Yes. Spectra Bank is an FDIC-insured commercial bank (FDIC Certificate #26708). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
What are Spectra Bank's key safety ratios?
For Q2 2026, Spectra Bank reports leverage 7.88%, Texas ratio 0.00%, noncurrent loans 0.00%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Spectra Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)
Explore: Full Spectra Bank profile · Other banks in TX · Metric glossary · How the call report works