Call reports 2026
SPECTRA BANK — 2026
What SPECTRA BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 127,106,000 | 126,667,000 |
| Total loans | 75,999,000 | 87,178,000 |
| Allowance for loan losses | 872,000 | 876,000 |
| Securities available for sale | 19,381,000 | 19,350,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 110,442,000 | 110,755,000 |
| Interest-bearing deposits | 70,360,000 | 72,595,000 |
| Noninterest-bearing deposits | 40,082,000 | 38,160,000 |
| Equity capital | 9,916,000 | 9,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,681,000 | 3,591,000 |
| Interest expense | 691,000 | 1,415,000 |
| Net interest income | 990,000 | 2,176,000 |
| Noninterest income | 889,000 | 1,234,000 |
| Noninterest expense | 1,371,000 | 3,086,000 |
| Provision for loan losses | 0 | 200,000 |
| Pretax income | 508,000 | 124,000 |
| Income tax | 0 | 0 |
| Net income | 508,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 10,827,000 | 10,444,000 |