Spectra Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 40.9 percent and a “hot money” ratio of 48.2 percent. A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Asset Mix:
Comm re (35%), cash (27%), securities (16%), comm loans (9%), home mtgs (2%), consumer loans (1%), other (11%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Riverbend Financial Corporation
Investment Rating
--
Address
2000 Handley Ederville Road
Fort Worth, TX 76118
Fort Worth, TX 76118
Phone Number
(817) 284-9598
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.