Spectra Bank: how it compares with its peers
Against 96 TX banks with half to twice its assets, Spectra Bank's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 4.06% peer median). Its weakest relative measure is return on assets (0.20% vs. 1.35%).
| Measure | Spectra Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.20% | 1.35% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.06% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.39% | 64.25% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.2M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.92% | 58.43% | Context |
What it means for lending operations
Its efficiency ratio of 88.39% is above the 64.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Commercial State Bank Palmer, TX · $127M
- Dalhart Federal Savings & Loan Association, SSB Dalhart, TX · $126M
- Stockmens National Bank in Cotulla Cotulla, TX · $124M
- The First State Bank Abernathy, TX · $121M
- Lone Oak Bank, National Association Eldorado, TX · $120M
- The First National Bank of Aspermont Aspermont, TX · $134M
Questions about Spectra Bank
How big is Spectra Bank?
Spectra Bank, established in 1986, is headquartered in Fort Worth, TX. It reported $127M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Spectra Bank's return on assets?
0.20% annualized in Q2 2026, against a 1.35% median for 96 TX banks with half to twice its assets, ahead of 4% of them.
What is Spectra Bank's efficiency ratio?
88.39% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 64.25%, and lower is better.
Is Spectra Bank growing its loans?
Net loans grew 36.3% over the year to Q2 2026, while deposits grew 16.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.