D
Spectra Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
7.88
Return On
Assets
0.20%
Total
Assets
126.67M
Capital
9.51M
Total
Deposits
110.76M
Net
Income
124.00K
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Weiss Ratings Spectra Bank
Fort Worth, TX 		Click to
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Rating D
Asset Quality Index 7.00
Capitalization Index 5.90
Liquidity Index 1.60
Profitability Index 2.30
Stability Index 2.20
Company Info Spectra Bank
Fort Worth, TX 		Click to
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FDIC Number 26708
Phone Number (817) 284-9598
Website www.spectra.bank
Asset Quality Spectra Bank
Fort Worth, TX 		Click to
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1-Year Asset Growth 20.53%
5-Year Asset Growth 5.46%
5-Year Charge-Offs to Average Loans -0.72%
Charge-Offs to Average Loans 0.24%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Spectra Bank
Fort Worth, TX 		Click to
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Total Assets 126.67M
Total Deposits 110.76M
Capital and Reserves Spectra Bank
Fort Worth, TX 		Click to
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Capital 9.51M
Leverage Ratio 7.88
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio --
Liquidity Spectra Bank
Fort Worth, TX 		Click to
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Hot Money Ratio 48.05%
Liquidity Ratio 23.76%
Profitability Spectra Bank
Fort Worth, TX 		Click to
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5-Year Return on Average Assets 0.26%
Net Income 124.00K
Net Interest Spread 3.96%
Operating Profit to Average Assets 0.20%
Overhead Efficiency Ratio 90.50%
Return on Assets 0.20%
Return on Equity 2.53%