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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 75thStandingRank8-Qtr TrendPeer 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