| Metric | Spectra Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.5% | +4.4% | +16.2 pts |
| Deposit growth (YoY) | +16.7% | +4.0% | +12.8 pts |
| Loan growth (YoY) | +36.3% | +5.6% | +30.7 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 2.5% | 11.9% | -9.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.7M | $110.8M | $86.3M | $9.5M | $124K | 0.20% | 3.92% | 0.00% |
| Q1 2026 | $127.1M | $110.4M | $75.1M | $9.9M | $508K | 1.67% | 3.61% | 0.15% |
| Q4 2025 | $115.9M | $99.2M | $69.4M | $9.9M | $665K | 0.62% | 3.59% | 0.16% |
| Q3 2025 | $107.0M | $96.5M | $68.1M | $9.7M | $581K | 0.74% | 3.52% | 0.18% |
| Q2 2025 | $105.1M | $94.9M | $63.3M | $9.4M | $302K | 0.58% | 3.21% | 0.18% |
| Q1 2025 | $103.1M | $93.3M | $56.5M | $8.9M | $72K | 0.28% | 2.61% | 0.18% |
| Q4 2024 | $102.8M | $98.1M | $53.0M | $3.8M | $470K | 0.52% | 3.29% | 0.18% |
| Q3 2024 | $99.9M | $95.6M | $49.6M | $3.9M | $280K | 0.43% | 3.43% | 0.19% |
Loan mix (Q2 2026): real estate $67.3M · commercial $13.3M · consumer $6.7M · securities $19.4M
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 62.9% | 93rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Spectra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2024) · $94.9M branch deposits. Biggest market: Tarrant, TX, ranked 69th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $61.5M | 0.08% | 69th |
| Dallas, TX | 1 | $33.4M | 0.01% | 119th |
Texas: 512th with 0.01% · Dallas-Fort Worth-Arlington metro: 158th, 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2