Spectra Bank is a bank based in Fort Worth, Texas, established in 1986, with $127 million in total assets across 3 branches. By Trust Grade it ranks 300th of 349 banks we track in Texas. Its capital ratio of 7.8% trails most similarly sized banks (13th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.67% return on assets. No consumer complaints against Spectra Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Spectra Bank compares to Texas peers
How we graded Spectra Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Strongly profitable (ROA 1.67%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Spectra Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 2000 Handley Ederville Rd, Fort Worth, TX 76118
- 2331 W Northwest Hwy, Dallas, TX 75220
- 11950 Webb Chapel Rd, Dallas, TX 75234
Are deposits at Spectra Bank insured?
Yes. Spectra Bank is an FDIC-insured bank (FDIC certificate #26708). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Spectra Bank: frequently asked questions
Is Spectra Bank a good bank?
Spectra Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Strongly profitable (ROA 1.67%).
Is Spectra Bank FDIC-insured?
Yes. Spectra Bank is a FDIC-insured bank (FDIC certificate #26708). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Spectra Bank?
Spectra Bank holds $127 million in total assets, ranking 300th of 349 banks we track in Texas. It operates 3 branches.
Does Spectra Bank have CFPB complaints?
No CFPB complaints against Spectra Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
