Side-by-side · Q2 2026 data
Spectra Bank vs Dalhart Federal Savings & Loan Association, SSB
Bank
Dalhart Federal Savings & Loan Association, SSB
Dalhart, Texas · $100 million – $1 billion
Metric by metric
| Measure | Spectra Bank | Dalhart Federal Savings & Loan Association, SSB |
|---|---|---|
| TellerScore | 59 | 69 (stronger) |
| Capital cushion | 29 | 64 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 28 (stronger) | 21 |
| Funding & liquidity | 66 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 17th | 40th |
| Total assets | $126.7M | $126.3M |
| Deposits / shares | $110.8M | $95.5M |
| Capital ratio | 7.88% | 11.42% (stronger) |
| Problem loans | 0.00% (stronger) | 0.16% |
| Net charge-offs | 0.25% | -0.01% (stronger) |
| Return on assets | 0.20% (stronger) | 0.04% |
| Loans ÷ deposits | 77.9% (stronger) | 82.3% |
| Uninsured deposits | 29.8% | 10.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dalhart Federal Savings & Loan Association, SSB has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spectra Bank leads on 3 and Dalhart Federal Savings & Loan Association, SSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.