SBA lender profile
Spectra Bank
Spectra Bank appears in the public SBA loan data with 21 funded 7(a) loans since FY2010, totaling $17.2M, an average of $819K per loan, and an estimated 492 jobs supported. Its SBA lending concentrates in Texas and the Professional and Technical Services sector. Across its 7(a) loans, the charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 75
- Scale 17
- Activity 0
- Consistency 41
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Spectra Bank the right lender for you?
Lenders fund what they know. Spectra Bank's SBA lending concentrates in Texas (21 loans) and Professional and Technical Services (3 loans), at an average loan of $819K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $127M
- Headquarters
- Fort Worth, TX
- FDIC cert
- #26708
- Status
- Active
Where Spectra Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Texas | 21 | $17.2M |
What Spectra Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Professional and Technical Services | 3 | $5.9M |
| Accommodation and Food Services | 2 | $4.1M |
| Wholesale Trade | 3 | $3.5M |
| Retail Trade | 5 | $2.2M |
| Other Services | 4 | $503K |
| Construction | 1 | $495K |
Spectra Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 4 | $550K |
| 2012 | 1 | $150K |
| 2013 | 2 | $283K |
| 2015 | 1 | $323K |
| 2016 | 1 | $120K |
| 2018 | 3 | $619K |
| 2019 | 8 | $14.4M |
| 2026 | 1 | $722K |
Related SBA lenders
Other lenders active in Texas or in Professional and Technical Services.
Comparing lenders? See how to choose an SBA lender by track record.
Spectra Bank: frequently asked questions
Does Spectra Bank offer SBA loans?
Yes. Spectra Bank appears in the public SBA data with 21 funded SBA 7(a) loans totaling $17.2M.
How many SBA loans has Spectra Bank made?
Spectra Bank is associated with 21 SBA 7(a) loans totaling $17.2M in the public SBA data (as of 2026-03-31).
What is Spectra Bank's SBA charge-off rate?
About 0.0% of Spectra Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Spectra Bank do most of its SBA lending?
Spectra Bank's SBA lending in the data is most concentrated in Texas, and by industry in Professional and Technical Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Spectra Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/spectra-bank/
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