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 Spectra Bank
Spectra Bank
| RSSD ID 426057 | CERTIFICATE 26708 | ABA NUMBER 111916915 |
| 2000 Handley Ederville Rd |
Quarter Ended : |
2025-12-31 |
| Fort Worth, Texas, 76118 |
Updated : |
2026-01-23 |
| www.spectra.bank |
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| Institution Profile |
| Year Opened : |
1986 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
23 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 115,921 |
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Total Interest Income | 5,944 |
| Total Liabilities | 105,985 |
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Total NonInterest Income | 1,703 |
| Total Bank Equity Capital | 9,936 |
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Total Interest Expense | 2,574 |
| Total Deposits | 99,171 |
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Total NonInterest Expense | 4,366 |
| Net Loans & Leases | 69,377 |
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Net Income | 665 |
| Loan Loss Allowance | 772 |
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Net Charge Offs | 0 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 70,153 |
| Total assets for the leverage ratio | 111,163 |
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Loans secured by real estate: | 57,186 |
| Tier 1 Leverage Ratio | 9.64 |
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Commercial and industrial loans | 12,238 |
| Off Balance Sheet Exposures (%) | 6.73 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,160 |
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:· Spectra Bank
