FDIC Cert #26708 · Fort Worth, Texas · Est. 1986

Spectra Bank - FDIC Bank Health Profile

A community-scale look at Spectra Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$116M
Total assets
C
Health grade · Fair
0.62%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

Spectra Bank earns a PlainBankData health grade of C (52/100), with 9.64% Tier 1 capital, 0.62% ROA, 86% efficiency ratio.

#3,618
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
9.64%
Tier 1 ratio - below the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26708 · TX C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4092/4307
  • PHOTO-FINISH Balboa Thrift and Lo… · CA
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Balboa Thrift and Loan Association, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spectra Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Balboa Thrift and Lo… · CA ·…52/100BankGloucester · MA · near52/100First Federal Bank &… · WY ·…52/100High Country Bank · CO · near52/100Spectra Bank · TX · this bank52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spectra Bank · July 2026

Call Report read for Spectra Bank in a high-failure state

Spectra Bank (FDIC Cert #26708) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,092 of 4,307. Tier 1 capital prints at 9.64%, missing the 10% well-capitalized line. The Texas Ratio is 1.77%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $116M, 3,618th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Balboa Thrift and Loan Association (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spectra Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Spectra Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Spectra Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Spectra Bank's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
Spectra Bank's composite health score
Tier 1 Capital Ratio (9.64%) 18/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (1.77%) 20/20
Efficiency Ratio (86.02%) 0/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$116M

Total balance-sheet footings

Total Deposits

$99M

Customer-funded liabilities

Net Loans

$69M

Outstanding loan book

Net Income

$665K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.24% 9.64% 11.04%
Basel III capital ratios - Spectra Bank

Where Spectra Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spectra Bank's score of 52/100 falls in the highlighted band.

Spectra Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spectra Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Spectra Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Spectra Bank's $116M falls in the highlighted band.

Capital & credit buffers at Spectra Bank

Tier 1 capital ratio
Well-capitalized 10%

9.64% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.64%
Texas Ratio
1.77%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: Spectra Bank

Return on Assets (ROA)
21st percentile nationally
0.62%
Return on Equity (ROE)
7.96%
Efficiency Ratio
86.02%

What these mean →

Income & expense at Spectra Bank

$6M
Interest Income
$2M
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Spectra Bank reports a Texas Ratio of 1.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Spectra Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($116M here), outside Texas so the neighborhood is not state containment.

Mid-Central National Bank $116M · MN Bank of Commerce and Trust Company $116M · KS Fredonia Valley Bank $116M · KY Chester National Bank $116M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spectra Bank (FDIC Cert #26708) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Spectra Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%