Spectra Bank
Fort Worth, TX·RSSD 426057·FDIC 26708·bank:426057·CBLR opted in
- #297 of 352Total assets in Texas
- 2offices
- 24employees
- Top 3%Loan growth in the U.S.
- Top 8%Loan quality vs. peers
- Top 8%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Spectra Bank
9 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter4.8%peers 0.0%+4.8 pp
Spectra Bank's borrowings as a share of assets rose 4.7 percentage points over the past year to 4.8%. Among 1222 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 4.8% | 0.0% | +4.8 pp |
| 12-month change | ||
| +4.7 pp | 0.0 pp | +4.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+36.1%peers +5.3%+30.8 pp
Spectra Bank's loans grew 36.1% over the past year to $87.2 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +36.1% | +5.3% | +30.8 pp |
| Loans | ||
| $87.2 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency112.0%peers 63.2%+48.8 pp
Spectra Bank's efficiency ratio rose 32.4 percentage points over the past year to 112.0%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 112.0% | 63.2% | +48.8 pp |
| 12-month change | ||
| +32.4 pp | -2.1 pp | +34.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-1.21%peers 1.26%-248 bps
Spectra Bank's annualized return on assets fell 210 bps over the past year to -1.21%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -1.21% | 1.26% | -248 bps |
| 12-month change | ||
| -210 bps | +14 bps | -224 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity78.7%+11.2 pp in 12 months
Spectra Bank's loans rose to 78.7% of deposits, 11.2 percentage points higher than a year earlier, while cash fell to 11.4% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 78.7% | +11.2 pp in 12 months |
| Cash / assets | |
| 11.4% | -12.4 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Leverage capital ratio falling while the peer median risesCapital
- Net charge-offs rising while the peer median holds steadyAsset quality
- Noninterest-bearing deposit share falling faster than peersFunding
- Total assets growing faster than peersGrowth
Key facts
- Spectra Bank is a bank headquartered in Fort Worth, Texas. It reported $127 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $111 million, up 16.7% from a year earlier, and loans totaled $87.2 million, up 36.1%.
- Its net interest margin was 4.14% and its annualized return on assets was -1.21% for the quarter.
- Its cost of all deposits was 2.42%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Spectra Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Spectra Bank · Bank
- Federal Reserve RSSD
- 426057
- FDIC certificate
- 26708
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Spectra Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$384K | — | |
| $1.91M | — | |
| $724K | — | |
| $1.19M | — | |
| $345K | — | |
| $1.72M | — | |
| $200K | — | |
| $200K | — | |
| -1.21% | -1.21%ROAQ · Quarter | |
| 4.14% | 4.13%NIMYQ · Quarter | |
| 112.02% | 111.69%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.