Spectra Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability.
Other Rating Factors:
Weak liquidity 1.6, driven by a liquidity ratio of 23.8 percent and a “hot money” ratio of 48.1 percent. Good current capitalization (5.9 on a scale of 0 to 10) and a capital leverage ratio of 7.9.
Asset Mix:
Comm re (42%), securities (15%), cash (11%), comm loans (10%), consumer loans (5%), home mtgs (1%), other (15%)
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
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