D
Spectra Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.79
Return On
Assets
0.58%
Total
Assets
105.09M
Capital
9.35M
Total
Deposits
94.89M
Net
Income
302.00K
My Lists My Alerts
Weiss Ratings Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating D
Asset Quality Index 6.30
Capitalization Index 8.20
Liquidity Index 2.70
Profitability Index 2.10
Stability Index 1.70
Company Info Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 26708
Phone Number (817) 284-9598
Website www.spectra.bank
Asset Quality Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 24.66%
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 1.71%
Non-Performing Loans to Loans 0.30%
Balance Sheet Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 105.09M
Total Deposits 94.89M
Capital and Reserves Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 9.35M
Leverage Ratio 9.79
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio --
Liquidity Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 47.03%
Liquidity Ratio 35.01%
Profitability Spectra Bank
Fort Worth, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets -0.21%
Net Income 302.00K
Net Interest Spread 3.06%
Operating Profit to Average Assets 0.58%
Overhead Efficiency Ratio 86.07%
Return on Assets 0.58%
Return on Equity 7.79%