D
Spectra Bank
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.88
Return On
Assets
0.28%
Total
Assets
103.08M
Capital
8.95M
Total
Deposits
93.28M
Net
Income
72.00K
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Weiss Ratings Spectra Bank
Fort Worth, TX 		Click to
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Rating D
Asset Quality Index 7.40
Capitalization Index 8.30
Liquidity Index 3.20
Profitability Index 1.40
Stability Index 1.70
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 24.60%
5-Year Asset Growth 10.15%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.75%
Non-Performing Loans to Loans 0.33%
Balance Sheet Spectra Bank
Fort Worth, TX 		Click to
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Total Assets 103.08M
Total Deposits 93.28M
Capital and Reserves Spectra Bank
Fort Worth, TX 		Click to
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Capital 8.95M
Leverage Ratio 9.88
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity Spectra Bank
Fort Worth, TX 		Click to
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Hot Money Ratio 48.22%
Liquidity Ratio 40.89%
Profitability Spectra Bank
Fort Worth, TX 		Click to
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5-Year Return on Average Assets -0.21%
Net Income 72.00K
Net Interest Spread 2.53%
Operating Profit to Average Assets 0.28%
Overhead Efficiency Ratio 93.45%
Return on Assets 0.28%
Return on Equity 4.53%