Headquartered in Fort Worth, Texas, Spectra Bank is a state-chartered bank with $126.7M in total assets and $110.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1986.
Spectra Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 308th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (28/100, 0.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (68 → 59), mostly because the funding & liquidity component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 54 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 75 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 5.83% |
| Q3 2024 | 5.53% |
| Q4 2024 | 5.29% |
| Q1 2025 | 9.88% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.91% |
| Q4 2025 | 9.64% |
| Q1 2026 | 9.24% |
| Q2 2026 | 7.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.62% |
| Q1 2026 | 1.67% |
| Q2 2026 | 0.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $126.7M | 7.88% | 0.00% | 0.20% | 77.9% |
| Q1 2026 | 75 | $127.1M | 9.24% | 0.25% | 1.67% | 68.0% |
| Q4 2025 | 69 | $115.9M | 9.64% | 0.27% | 0.62% | 70.0% |
| Q3 2025 | 70 | $107.0M | 9.91% | 0.27% | 0.74% | 70.6% |
| Q2 2025 | 68 | $105.1M | 9.79% | 0.30% | 0.58% | 66.7% |
| Q1 2025 | 67 | $103.1M | 9.88% | 0.33% | 0.28% | 60.6% |
| Q4 2024 | 54 | $102.8M | 5.29% | 0.35% | 0.52% | 54.0% |
| Q3 2024 | 54 | $99.9M | 5.53% | 0.38% | 0.43% | 51.9% |
| Q2 2024 | 55 | $84.3M | 5.83% | 0.36% | 0.43% | 64.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commercial State BankBank Palmer, TX | 49 out of 100, Below average | $126.6M | 10.9% | 5.44% | vs |
| Dalhart Federal Savings & Loan Association, SSBBank Dalhart, TX | 69 out of 100, Moderate | $126.3M | 11.4% | 0.16% | vs |
| Stockmens National Bank in CotullaBank Cotulla, TX | 79 out of 100, Strong | $124.1M | 10.6% | 0.00% | vs |
| The First State BankBank Abernathy, TX | 68 out of 100, Moderate | $121.4M | 13.5% | 2.13% | vs |
| Lone Oak Bank, National AssociationBank Eldorado, TX | 67 out of 100, Moderate | $119.6M | 15.3% | 3.08% | vs |
| The First National Bank of AspermontBank Aspermont, TX | 70 out of 100, Strong | $133.9M | 9.1% | 0.29% | vs |
Deposit insurance
Is my money safe at Spectra Bank?
Yes. Spectra Bank is an FDIC-insured institution (FDIC certificate #26708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.8% of deposits ($33.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Spectra Bank lists 2 offices in 2 cities. Most locations:
- Dallas, TX (1)
- Fort Worth, TX (1)
Identity & history
Profile
- Legal name
- Spectra Bank
- Former names
- Riverbend Bank; Riverbend Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 26708
- RSSD ID
- 426057
- Primary regulator
- FDIC
- Holding company
- Riverbend Financial Corp
- Established
- June 30, 1986
- Headquarters
- 2000 Handley Ederville Rd, Fort Worth, TX 76118
- Website
- www.spectra.bank
- Employees
- 24
Quick answers
Spectra Bank: common questions
Is Spectra Bank FDIC insured?
Yes. Spectra Bank is an FDIC-insured institution (FDIC certificate #26708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Spectra Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Spectra Bank ever failed?
There is no failure record for FDIC certificate #26708 in the FDIC failed bank list.
How many branches does Spectra Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Worth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX | 89 out of 100, Very strong | $11.9M | 20.9% | 1.07% | vs |
| First National Bank of BurlesonBank Burleson, TX | 89 out of 100, Very strong | $250.8M | 12.6% | 0.00% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |