Spectra Bank
Spectra Bank is an FDIC insured institution headquartered at
2000 Handley Ederville Rd, Fort Worth, TX 76118.
It was founded in
1986 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.
Deposit Rates - December 15, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $200 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.25% | $2,500 | Compare |
|
Money Market
|
0.30% | $10,000 | Compare |
|
Money Market
|
0.35% | $20,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.03% | $1,000 |
Featured Home Equity Rates
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Loans Amounts from $25,000 - $500,000. $0 -
Intro APR: 6.990 %
After Intro:6.990 %
$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 26708 |
| Date Established | 1986 |
| Assets | $ 105.09 million |
| Loans | $ 63.31 million |
| Deposits | $ 94.89 million |
| Capital | $ 9.35 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 25.01 million |
| Interest-bearing balances | $ 12.19 million |
| Total securities | $ 14.32 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 63.31 million |
| Loan loss allowance | $ 0.73 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 0.00 million |
| All other assets | $ 0.43 million |
| Total Assets | $ 95.74 million |
| LIABILITIES | |
| Total deposits | $ 94.89 million |
| Interest-bearing deposits | $ 58.14 million |
| Deposits held in domestic offices | $ 94.89 million |
| % insured (estimated)" | 80.75% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 0.11 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.15 millionn |
| Total Liabilities | $ 95.74 million |
| Shareholders’ Equity | $ 9.35 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 2.73 million |
| Total Interest Expense | $ 1.30 million |
| Net interest income | $ 1.43 million |
| Provision for loan and lease losses | $ 0.03 million |
| Total non interest income | $ 0.93 million |
| Total non interest expense | $ 2.03 million |
| Pre-tax Net Operating Income | $ 0.55 million |
Customer Reviews for Spectra Bank
Branches
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Spectra Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBankTEXAS$50,000N.A.0.05%0.23x (National Avg. - 0.23%)$200-SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 26 18 2 50,026 26 18 3 50,051 26 18 4 50,077 26 18 5 50,102 26 18 6 50,128 26 18 7 50,153 26 18 8 50,179 26 18 9 50,204 26 18 10 50,230 26 18 11 50,256 26 18 12 50,281 26 18 13 50,307 26 18 14 50,333 26 18 15 50,358 26 18 16 50,384 26 18 17 50,410 26 18 18 50,435 26 18 19 50,461 26 18 20 50,487 26 18 TOTAL $512 $359 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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