TX lenders / Community Bank
Spectra Bank
Community Bank · Fort Worth, TX · Riverbend Financial Corp
- Total assets
- $127.1M
- CRE loan book
- $61.3M
- QoQ CRE growth
- 8.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.24% as of Q1 2026 — TX bank median 6.76% (0.48pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.24% | 7.86% |
| Q4 2025 | 7.54% | 8.10% |
| Q3 2025 | 7.53% | 8.16% |
| Q2 2025 | 7.32% | 8.08% |
| Q1 2025 | 6.95% | 6.92% |
| Q4 2024 | 7.22% | 7.71% |
| Q3 2024 | 7.54% | 7.96% |
| Q2 2024 | 6.46% | 7.70% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $61.3M | $9.6M | $0 | 357% | $0 |
| Q4 2025 | $56.3M | $11.7M | $0 | 350% | $0 |
| Q3 2025 | $54.0M | $10.5M | $0 | 302% | $0 |
| Q2 2025 | $50.6M | $10.3M | $0 | 304% | $0 |
| Q1 2025 | $45.4M | $9.3M | $0 | 274% | $0 |
| Q4 2024 | $42.5M | $7.5M | $0 | 513% | $0 |
| Q3 2024 | $39.7M | $6.3M | $0 | 516% | $0 |
| Q2 2024 | $41.2M | $6.7M | $0 | 549% | $0 |
Signals
Regulatory actions
- FDIC Removal/Prohibition Order — FDIC stipulated orders and written agreements — removal/prohibition order — involving Spectra Bank, issued 2026-05-05 (docket FDIC-23-0037e).May 5, 2026
- FDIC Cease and Desist / Consent Orders — FDIC termination of action — cease and desist / consent orders — involving Spectra Bank, issued 2025-08-21 (docket FDIC-20-0140b).Aug 21, 2025
Spectra Bank: frequently asked questions
- How large is Spectra Bank's commercial real estate loan book?
- As of Q1 2026, Spectra Bank reported $61.3M in commercial real estate loans out of $127.1M in total assets, per its FFIEC Call Report.
- Is Spectra Bank above the 300% CRE concentration guideline?
- Spectra Bank's CRE loans stood at 357% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Spectra Bank growing or shrinking its CRE lending?
- Spectra Bank's CRE loan book grew 8.8% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- Has Spectra Bank faced regulatory enforcement actions?
- Yes — 2 regulatory enforcement actions on record for Spectra Bank, most recently from the FDIC (Removal/Prohibition Order) on May 5, 2026. See the Signals section for details and sources.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of ForrestCommunity Bank · Forrest · $61.4M CRE book
- FreedomBankCommunity Bank · Elkader · $61.1M CRE book
- Farmers State BankCommunity Bank · Cameron · $61.0M CRE book
- The Napoleon State BankCommunity Bank · Napoleon · $61.6M CRE book
- Shell Lake State BankCommunity Bank · Shell Lake · $60.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.