BlastPoint's Banking Scorecard
Spectra Bank
Micro
Specialty: Commercial
TX
FDIC cert 26708
Designations: ✓ Community bank
Fort Worth, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Spectra Bank shows strong momentum with 3 strengths and 12.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.91% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.9M
+12.7% YoY
+8.3% QoQ
|
-$101.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$69.4M
+30.8% YoY
+1.9% QoQ
|
-$69.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$99.2M
+1.1% YoY
+2.8% QoQ
|
-$84.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.62%
+20.3% YoY
-16.0% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.59%
+9.0% YoY
+2.0% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
86.02%
-3.5% YoY
+3.3% QoQ
|
+18.30% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.96%
+29.5% YoY
-0.9% QoQ
|
-4.57% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
31.45%
-2.7% YoY
-18.8% QoQ
|
+9.06% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.47%
-16.1% YoY
+18.9% QoQ
|
+0.91% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.47%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.96% · Tier avg: 74.53%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
29
29th pctile
Total Loans
Current: $69.4M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $99.2M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $115.9M · Tier avg: $217.5M
24
24th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.02% · Tier avg: 67.73%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 86.02% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $115.9M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $99.2M · Tier avg: $183.7M
29
29th pctile
Total Loans
Current: $69.4M · Tier avg: $139.2M
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.96% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 22.39%
96
96th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%