BlastPoint's Banking Scorecard

Spectra Bank

$100M-$1B Specialty: Commercial TX FDIC cert 26708

Designations: ✓ Minority Depository Institution

Fort Worth, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Spectra Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.3% in tier
+ Profitability Leader: Top 17.1% in tier
+ Non-Interest-Bearing Deposit Share 14.27% above tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 4.11% above tier average

Get updates when Spectra Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$127.1M +23.3% YoY +9.6% QoQ	-$259.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 8.1% in tier
Total Loans ?	$75.1M +33.0% YoY +8.3% QoQ	-$180.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 9.2% in tier
Total Deposits ?	$110.4M +18.4% YoY +11.4% QoQ	-$217.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 8.9% in tier
Return on Assets ?	1.67% +497.8% YoY +168.5% QoQ	+0.40%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	3.61% +38.3% YoY +0.7% QoQ	-0.32%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	69.40% -25.7% YoY -19.3% QoQ	+4.11%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.25% -24.8% YoY -7.7% QoQ	-0.64%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	68.02% +12.3% YoY -2.8% QoQ	-8.61%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	36.29% -4.2% YoY +15.4% QoQ	+14.27%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 8.4% in tier
Nonperforming Asset Ratio ?	0.15% -18.9% YoY -8.8% QoQ	-0.49%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	9.24% -6.5% YoY -4.2% QoQ	-6.59%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 2.0% in tier
Non-Interest Income / Assets ?	0.70% +39.7% YoY -52.4% QoQ	+0.42%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 2.4% in tier

Get Full Access to Spectra Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#56 of 666 • Top 8.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.70%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.67%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#115 of 666 • Top 17.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.67%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 0.28%

#66 of 2664 Top 2.4% in $100M-$1B

226

Non-Interest-Bearing Deposit Share

funding

Value: 36.29%

Peer Median: 22.02%

#226 of 2664 Top 8.4% in $100M-$1B

637

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (4 metrics)

2612

Tier 1 Capital Ratio

capital

Value: 9.24%

Peer Median: 15.83%

#2612 of 2664 Bottom 2.0% in $100M-$1B

2449

Total Assets

size

Value: $127.11M

Peer Median: $386.08M

#2449 of 2664 Bottom 8.1% in $100M-$1B

2428

Total Deposits

size

Value: $110.44M

Peer Median: $327.97M

#2428 of 2664 Bottom 8.9% in $100M-$1B

2421

Total Loans

size

Value: $75.13M

Peer Median: $255.72M

#2421 of 2664 Bottom 9.2% in $100M-$1B