Bank of Houston, The
Houston, MO · Cert 13960 · Peer group: banks under $1B in assets in MO (n=82-83) · Summit Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$67.4MAssets
$54.8MLoans
$51.2MDeposits
$9.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
- Widest gap: efficiency ratio trails 89% of banks under $1B in assets in MO (rank 75 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.03%
Rank 61 of 83
Net Interest Margin
5.24%
Rank 1 of 83
Efficiency Ratio
79.57%
Rank 75 of 83
Equity / Assets
14.11%
Rank 15 of 83
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 11% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.96% | 1.32% | 1.75% | Beats 27% | 61 / 83 | | |
| Return on Equity | 7.32% | 9.66% | 12.96% | 15.76% | Beats 17% | 69 / 83 | | |
| Net Interest Margin | 5.24% | 3.35% | 3.85% | 4.16% | Beats 99% | 1 / 83 | | |
| Efficiency Ratio | 79.57% | 49.83% | 58.83% | 68.51% | Beats 11% | 75 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.08% | 0.51% | 1.01% | Beats 68% | 27 / 82 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 11.01% | 12.49% | 14.98% | Beats 67% | 27 / 83 | | |
| Total Risk-Based Capital Ratio | 14.14% | 11.13% | 13.01% | 15.10% | Beats 63% | 31 / 83 | | |
| Equity / Assets | 14.11% | 8.83% | 10.71% | 13.29% | Beats 82% | 15 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.17% | 69.28% | 83.22% | 91.21% | 94th pctl | 5 / 82 | | |
| Loans / Assets | 81.39% | 59.34% | 71.15% | 78.36% | 86th pctl | 12 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |