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Spectra Bank

Fort Worth, TX · Cert 26708 · Riverbend Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Spectra Bank

Fort Worth, TX · Cert 26708 · Riverbend Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$126.7MAssets
$87.2MLoans
$110.8MDeposits
$9.5MEquity
Loan mix
83%RE $63.0M16%C&I $12.3M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $72.6M34%Noninterest $38.2MQ2 2025Q2 2026

NIM

5.66%Q2 ’245.17%Q2 ’255.42%Q2 ’26-11%+21%

Non-interest income vs. expense

4.50%Q2 ’243.84%Q2 ’254.65%Q2 ’26-20%+34%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #126 of 166 inst. · $0.1B of $732.8B

0.1% Tarrant
0.0% Dallas

Executive Summary

  • Earnings: ROA of 0.16%, down 30 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (-30 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 7.88%, down 191 bps from a year ago.
  • Funding: loans stand at 78.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.16%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+57 bps YoY

Efficiency Ratio (YTD, annualized)

88.39%+236 bps YoY

Tier 1 Leverage Ratio

7.88%-191 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.58%0.49%1.31%0.16%-30 bps
Return on Equity6.46%7.66%6.28%16.09%1.99%-447 bps
Net Interest Margin2.71%3.00%3.03%3.38%3.28%+57 bps
Efficiency Ratio86.03%83.31%86.02%69.40%88.39%+236 bps
Non-Interest Burden2.09%2.23%2.40%1.64%2.79%+70 bps
Growth
Asset Growth (YoY)24.66%7.06%12.72%23.31%20.53%-413 bps
Loan Growth (YoY)21.22%36.76%30.57%32.90%36.13%+1,491 bps
Deposit Growth (YoY)17.64%0.91%1.07%18.40%16.72%-92 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.27%0.27%0.25%0.00%-30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.53%0.22%+22 bps
Allowance / Loans1.14%1.12%1.10%1.15%1.00%-13 bps
Allowance Coverage of NPLs3.8x4.1x4.1x4.6xn/an/a
Capital
Tier 1 Leverage Ratio9.79%9.91%9.64%9.24%7.88%-191 bps
Total Risk-Based Capital9.79%9.91%9.64%9.24%7.88%-191 bps
Equity / Assets8.90%9.11%8.57%7.80%7.51%-139 bps
Liquidity & Funding
Loans / Deposits67.49%71.39%70.74%68.81%78.71%+1,122 bps
Liquid Assets / Assets11.60%14.33%12.43%16.85%6.61%-499 bps
CRE / Total Capitaln/a508%525%566%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Spectra Bank

Fort Worth, TX · Cert 26708 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Riverbend Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$126.7MAssets
$87.2MLoans
$110.8MDeposits
$9.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.15%

Rank 26 of 28

Net Interest Margin

3.28%

Rank 26 of 28

Efficiency Ratio

90.50%

Rank 27 of 28

Equity / Assets

7.51%

Rank 28 of 28

Non-interest income vs. expense

$2.5M$6.2MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 7% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 90.50%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%1.12%1.22%1.47%Beats 7%26 / 28
Return on Equity2.05%8.64%12.47%13.41%Beats 7%26 / 28
Net Interest Margin3.28%3.77%4.06%4.51%Beats 7%26 / 28
Efficiency Ratio90.50%57.39%61.94%66.78%Beats 7%27 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.22%0.00%0.01%0.20%Beats 18%24 / 28
Capital
Tier 1 Capital Ratio7.88%12.55%13.77%17.51%Beats 0%28 / 28
Total Risk-Based Capital Ratio7.88%12.59%14.62%18.18%Beats 0%28 / 28
Equity / Assets7.51%9.58%11.17%13.58%Beats 0%28 / 28
Liquidity & Funding
Loans / Deposits78.71%66.90%84.79%89.14%39th pctl17 / 28
Loans / Assets68.82%57.58%73.59%77.32%43rd pctl16 / 28
Brokered Deposits / Depositsn/aNot reported for this institution