SPECTRA BANK
FORT WORTH, TEXAS · FDIC Cert #26708
Capital & Safety Analysis
According to FDIC financial data, SPECTRA BANK holds a Tier 1 capital ratio of 8.39%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SPECTRA BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SPECTRA BANK shows strong financial health indicators. With $84M in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SPECTRA BANK has a Bank Health Score of B (74/100). It holds a Tier 1 capital ratio of 8.39%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SPECTRA BANK holds $84M in total assets and $81M in total deposits. It is located in FORT WORTH, TEXAS (FDIC Certificate #26708).
SPECTRA BANK has a Tier 1 capital ratio of 8.39%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.36%, and the return on assets is 0.43%.
Yes. SPECTRA BANK is FDIC-insured (Certificate #26708). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.