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Spectra Bank

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

Designations: ✓ Minority Depository Institution

Fort Worth, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +16.7% year over year ($110.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.20%.
  • Efficiency ratio 88.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Spectra Bank has 3 strengths but faces 4 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 29.5% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 15.2% in tier
  • - Return on Assets 1.12% below tier average
  • - Tier 1 Capital Ratio 8.03% below tier average
  • - Net Interest Margin 0.07% below tier average
Get updates when Spectra Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $126.7M
+20.5% YoY -0.3% QoQ
-$259.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 7.6% in tier
Total Loans ? $86.3M
+36.3% YoY +14.9% QoQ
-$172.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 13.2% in tier
Total Deposits ? $110.8M
+16.7% YoY +0.3% QoQ
-$216.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 8.9% in tier
Return on Assets ? 0.20%
-65.5% YoY -88.0% QoQ
-1.12% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 5.7% in tier
Net Interest Margin ? 3.92%
+22.2% YoY +8.4% QoQ
-0.07% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 88.39%
+2.7% YoY +27.4% QoQ
+23.91% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 6.8% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 77.92%
+16.8% YoY +14.6% QoQ
-0.03% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 34.45%
-11.0% YoY -5.1% QoQ
+12.42% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 10.4% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 7.88%
-19.6% YoY -14.7% QoQ
-8.03% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 0.1% in tier
Non-Interest Income / Assets ? 0.97%
+10.3% YoY +39.3% QoQ
+0.41% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 3.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 34.5%
-4.3pp YoY
-1.8pp QoQ
 +12.3pp 22.1% 29.2% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 15.4%
-1.4pp YoY
-1.0pp QoQ
 +3.8pp 11.6% 14.8% 12.5% 77%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 2.1%
-0.5pp YoY
-0.3pp QoQ
 -30.6pp 32.6% 25.8% 31.3% 2%
Consumer 7.7%
+5.8pp YoY
+6.3pp QoQ
 +3.6pp 4.1% 4.7% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 7.9%
-1.9pp YoY
-1.4pp QoQ
 -4.3pp 12.2% 12.6% 12.6% 2%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 24
+1 (+4.3%) YoY
+1 (+4.3%) QoQ
 -35 58 186 482 17%
Assets per Employee ($) $5.3M
+15.5% YoY
-4.5% QoQ
 -$2.2M $7.5M $10.1M $8.8M 19%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.2%
+0.8pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 2.5%
-5.7pp YoY
-17.9pp QoQ
 -9.7pp 12.2% 13.2% 11.6% 7%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.6% 1.7% 90%
Net Income ($, YTD) $124,000
-58.9% YoY
— QoQ
 -$2.4M $2.6M $15.9M $40.4M 4%

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 (1)

Revenue Diversifier

growth
#196 of 661 • Top 29.5% 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: 0.97%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.20%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Efficiency Drag

risk
#56 of 361 • Bottom 15.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.39%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
95
Non-Interest Income / Assets
revenue_mix
Value: 0.97%
Peer Median: 0.57%
#95 of 2643 Top 3.6% in $100M-$1B
276
Non-Interest-Bearing Deposit Share
funding
Value: 34.45%
Peer Median: 22.03%
#276 of 2643 Top 10.4% in $100M-$1B

Top Weaknesses (6 metrics)

2642
Tier 1 Capital Ratio
capital
Value: 7.88%
Peer Median: 15.91%
#2642 of 2643 Bottom 0.1% in $100M-$1B
2494
Return on Assets
profitability
Value: 0.20%
Peer Median: 1.32%
#2494 of 2643 Bottom 5.7% in $100M-$1B
2463
Efficiency Ratio
profitability
Value: 88.39%
Peer Median: 64.48%
#2463 of 2643 Bottom 6.8% in $100M-$1B
2443
Total Assets
size
Value: $126.67M
Peer Median: $386.57M
#2443 of 2643 Bottom 7.6% in $100M-$1B
2410
Total Deposits
size
Value: $110.75M
Peer Median: $326.73M
#2410 of 2643 Bottom 8.9% in $100M-$1B
2296
Total Loans
size
Value: $86.30M
Peer Median: $258.35M
#2296 of 2643 Bottom 13.2% in $100M-$1B
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