Spectra Bank
Fort Worth, TX
IDRSSD: 426057
Total Assets
$106.99M
Latest filing
Total Deposits
$96.45M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Spectra Bank
2000 Handley Ederville Rd
Fort Worth, TX 76118
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/30/1986FDIC Certificate 35773
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Spectra Bank (Main) | 2000 Handley Ederville Rd | Fort Worth, TX |
| DALLAS OFFICE BRANCH | 2331 W Northwest Hwy | Dallas, TX |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/30/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76118 |
| State and County Number | 48439 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Dallas-Fort Worth-Arlington, TX |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/30/1986 |
| Primary Insurance Agency | DIF |
| Website | www.spectra.bank |
| Data Updated | 11/14/2025 |
| CERT | 26708 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $106.99M |
| Total Deposits | $96.45M |
| Total Liabilities | $97.24M |
| Total Equity Capital | $9.75M |
| Net Income | $279.00k |
| Net Loans and Leases | $68.08M |
| Assets Per Employee ($Millions) | $5.09M |
| Bank Premises and Fixed Assets | $1.16M |
| Cash and Balances due from Depository Institutions | $22.02M |
| Deposits Held in Domestic Offices | $96.45M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 11.69% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 78.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.11% |
| Earning Assets to total Assets | 91.45% |
Income and Expense
| Total Interest Income | $1.60M |
| Total Noninterest Income | $394.00k |
| Total Interest Expense | $614.00k |
| Total Noninterest Expense | $1.08M |
| Net Interest Income | $983.00k |
| Pre-tax Net Operating Income | $279.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $27.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $764.00k |
| Total Liabilities and Capital | $106.99M |
Securities
| Securities | $14.42M |
| Available-for-sale debt securities | $14.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Spectra Bank?
$106.99M as of the latest filing.
How much are Spectra Bank's total deposits?
$96.45M in total deposits.
Where is Spectra Bank located?
Fort Worth, TX.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
2.
When was it established?
06/30/1986.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$68.08M (latest filing).
What is the total interest income (latest filing)?
$1.60M.