Advertisement
Spectra Bank
Fort Worth, TX · FDIC Certificate #26708 · Chartered 06/3
Total assets
$126.67M
Total deposits
$110.75M
Total equity
$9.51M
Net loans
$86.30M
Branches (offices)
2
Net income (YTD)
$124.00K
Rank: #3,477 of 4,213 U.S. banks by assets · #295 of 346 in Texas. Assets changed 20.5% and deposits 16.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.20% |
| Return on equity | 2.53% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 7.51% |
| Tier 1 leverage ratio | 7.88% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 77.9% |
| Real estate loans (share of loans) | 77.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.25M | 77.9% | |
| Commercial & industrial | $13.27M | 15.4% | |
| Consumer / individual | $6.65M | 7.7% | |
| Construction & development | $12.53M | 14.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $86.23M | $81.67M | $545.00K | $4.29M |
| Jun 2023 | $85.46M | $79.63M | -$554.00K | $3.46M |
| Jun 2024 | $84.30M | $80.66M | $178.00K | $3.31M |
| Jun 2025 | $105.09M | $94.89M | $302.00K | $9.35M |
| Jun 2026 | $126.67M | $110.75M | $124.00K | $9.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $110.75M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $110.75M.
Similar-sized banks
Brantley Bank And Trust Company ($126.86M) · Commercial State Bank ($126.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement