Lobby closing March 23

Spectra Banks will be closing the lobby effective March 23 and will operate the drive thru and by appointment only.


The Evolution of Banking.

Spectra Bank

Covid-19 Safety
Spectra Bank is committed to the health of our customers amid this unprecedented epidemic of COVID-19. We strongly urge our clientele to utilize our drive-thru services for the time being. For updates on the related emergency response please visit Texas Health and Human Services: https://dshs.texas.gov/coronavirus/. For those seeking relief aid via disaster loan assistance please visit: https://disasterloan.sba.gov/ela/ which will explain how business owners can apply for short-term working capital and business interruption loans.
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Talk to a banker...

At Spectra Bank, we always have courteous bankers ready to answer any questions you may have regarding your personal or business banking needs. Call or come by today, or click the link below to submit your question via email.

Please DO NOT include any confidential personal information such as your account number or social security number in this email correspondence. A Spectra team member will contact you to secure any private or confidential information necessary to address your needs.


Talk to a Banker!



Spectra Bank offers a variety of checking accounts to meet your banking needs. Each product is a simple and economical resource for managing your money.



Spectra Bank offers a variety of savings accounts to meet your banking needs. Each product is a simple and economical resource for managing your money.



When you need a loan for your business, Spectra Bank is the right choice. Since we are locally owned and operated, we have a vested interest in our local community.



Retirement savings goals can be met a variety of ways. Let the professionals at Spectra Bank help you plan for your future.

About Spectra Bank

Our goal is to build successful banking relationships with our local North Central Texas communities by providing extraordinary service and fair value in everything we do.


Contact Us

Looking for something specific? Contact us and we can help make sure you find what you are looking for. We are committed to you.



At Spectra Bank, we do our best to place all the banking information you might need right at your fingertips. Learn more about FDIC Insurance, security, identity theft, and more.


Security Reminders

Protecting your personal information is important to Spectra Bank. We are committed to providing you with a safe and secure online environment for your banking needs.

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Find out how Spectra Bank can make a real difference in how you do business.


Learn More

Spectra Bank Resource Center

Information, Insights and Expert Advice.

Banking Made Easy... Download the App Today!

Banking Made Easy... Download the App Today!

Banking with convenience in mind. Get 24/7 customer care at your fingertips, security you can trust and a smart, simple online banking experience on applicable devices.   No matter where you are,

Lost or Stolen Debit Card?

Lost or Stolen Debit Card?

Having your wallet lost or stolen can be challenging. Spectra Bank is here to help. To report a lost or stolen Spectra Bank debit card, please call us immediately. During our normal business hours,

Security Awareness Information

Security Awareness Information

This content is for information purposes only. Before acting on any ideas presented in this content; security, legal, technical, and reputational risks should be independently evaluated considering

How to protect your account information

How to protect your account information

The best ways to keep your personal information safe is to be vigilant in your activity, to actively pay attention to where you store your important paperwork, and to check your account activity


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At Spectra Bank we know our customers,

and we call them by name.

Our goal is to meet the needs of all customers, ranging from personal to business banking. Simple banking and experienced common sense bankers are what we strive to be. Our executive team is always available to make decisions promptly, so come visit us at either location today.