Spectra Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 9.90 percentage points in Q2 2026, from 68.81% to 78.71%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Spectra Bank is 3rd from the bottom among 345 Texas banks, -1.16% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Spectra Bank reported -1.16% on return on assets in Q2 2026, 2.41 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 7.88% |
| Equity capital to assets | 7.51% |
| Tangible equity to tangible assets | 7.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.93% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.16% |
| Return on equity | -15.82% |
| Net interest margin | 4.11% |
| Efficiency ratio | 111.69% |
| Yield on earning assets | 6.62% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.71% |
| Core deposits to total deposits | 81.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.44% |
| Securities to assets | 15.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 8.35% | 8.35% | 9.60% | 6.01% | -0.25% |
| Q4 2023 | 8.42% | 8.42% | 9.67% | 5.63% | -1.25% |
| Q1 2024 | 8.53% | 8.53% | 9.79% | 5.58% | 0.50% |
| Q2 2024 | 8.39% | 8.39% | 9.64% | 5.83% | 0.34% |
| Q3 2024 | 8.46% | 8.46% | 9.71% | 5.53% | 0.45% |
| Q4 2024 | 8.19% | 8.19% | 9.38% | 5.29% | 0.78% |
| Q1 2025 | — | — | — | 9.88% | 0.28% |
| Q2 2025 | — | — | — | 9.79% | 0.87% |
| Q3 2025 | — | — | — | 9.91% | 1.04% |
| Q4 2025 | — | — | — | 9.64% | 0.30% |
| Q1 2026 | — | — | — | 9.24% | 1.73% |
| Q2 2026 | — | — | — | 7.88% | -1.16% |
Spectra Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spectra Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)