D
Spectra Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.64
Return On
Assets
0.62%
Total
Assets
115.92M
Capital
9.94M
Total
Deposits
99.17M
Net
Income
665.00K
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Weiss Ratings Spectra Bank
Fort Worth, TX 		Click to
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Rating D
Asset Quality Index 6.40
Capitalization Index 8.00
Liquidity Index 2.80
Profitability Index 2.80
Stability Index 1.90
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 12.72%
5-Year Asset Growth 5.46%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.64%
Non-Performing Loans to Loans 0.27%
Balance Sheet Spectra Bank
Fort Worth, TX 		Click to
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Total Assets 115.92M
Total Deposits 99.17M
Capital and Reserves Spectra Bank
Fort Worth, TX 		Click to
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Capital 9.94M
Leverage Ratio 9.64
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio --
Liquidity Spectra Bank
Fort Worth, TX 		Click to
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Hot Money Ratio 55.50%
Liquidity Ratio 35.89%
Profitability Spectra Bank
Fort Worth, TX 		Click to
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5-Year Return on Average Assets -0.21%
Net Income 665.00K
Net Interest Spread 3.56%
Operating Profit to Average Assets 0.62%
Overhead Efficiency Ratio 86.06%
Return on Assets 0.62%
Return on Equity 7.62%