Spectra Bank
Fort Worth, Texas · FDIC Cert #26708
Spectra Bank is an FDIC-insured bank (Certificate #26708) with $84M in total assets and $81M in total deposits as of the Q2 2024 Call Report. Headquartered in Fort Worth, Texas, the bank maintains a Tier 1 capital ratio of 8.39% (Well-Capitalized) and a nonperforming loan ratio of 0.36%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Spectra Bank (FDIC cert 26708) is a community bank — $84M in total assets, $81M in deposits, serving the Fort Worth, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 8.39% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.36% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 35.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.43% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Spectra Bank carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Spectra Bank
- Total Assets
- $84M
- Total Deposits
- $81M
- Tier 1 Capital Ratio
- 8.39%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.36%
- Liquidity Ratio
- 35.91%
- Return on Assets
- 0.43%
- Headquarters
- Fort Worth, Texas
- FDIC Certificate
- #26708
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
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.
How Spectra Bank Compares
Spectra Bank’s Health Score of 74 is 0 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 8.39% Tier 1 capital ratio is 5.6 points below the US banking industry average near 14%. The 0.36% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.43% is below the national ROA benchmark of ~1.1%. Among 943 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Spectra Bank is 4 points above the portfolio average of 70.
Frequently Asked Questions
Spectra Bank has a Bank Health Score of B (74/100), placing it in solid financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Spectra Bank's Tier 1 capital ratio of 8.39% and nonperforming loan ratio of 0.36% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Spectra Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26708). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Spectra Bank holds $84M in total assets and $81M in total deposits. It is headquartered in Fort Worth, Texas (FDIC Certificate #26708).
Spectra Bank has a Tier 1 capital ratio of 8.39%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Spectra Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.