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Bank of Houston, The

Houston, MO · Cert 13960 · Summit Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$67.4MAssets
$54.8MLoans
$51.2MDeposits
$9.5MEquity
Loan mix
68%RE $36.1M32%C&I $16.7M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $42.3M17%Noninterest $8.8MQ2 2025Q2 2026

NIM

7.32%Q2 ’247.19%Q2 ’257.03%Q2 ’26+2%0%

Non-interest income vs. expense

5.86%Q2 ’245.49%Q2 ’255.92%Q2 ’26+19%-9%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #106 of 111 inst. · $0.0B of $141.7B

8.6% Texas
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 1.07%, up 58 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.16% of loans (-141 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.14%, up 71 bps from a year ago.
  • Funding: loans stand at 107.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+58 bps YoY

Net Interest Margin (YTD, annualized)

5.24%-1 bps YoY

Efficiency Ratio (YTD, annualized)

78.56%-311 bps YoY

Tier 1 Leverage Ratio

14.14%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.66%0.60%1.77%1.07%+58 bps
Return on Equity3.65%4.94%4.37%12.18%7.43%+379 bps
Net Interest Margin5.25%5.18%5.23%5.24%5.24%-1 bps
Efficiency Ratio81.67%81.03%81.36%71.01%78.56%-311 bps
Non-Interest Burden4.06%3.95%4.01%2.71%3.68%-38 bps
Growth
Asset Growth (YoY)-3.68%-3.69%-6.22%0.18%4.94%+863 bps
Loan Growth (YoY)0.39%-6.84%-0.07%8.36%5.84%+545 bps
Deposit Growth (YoY)0.62%-0.03%3.03%2.55%6.87%+625 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.12%1.06%0.33%0.16%-141 bps
Net Charge-Offs / Loans0.02%0.69%0.64%0.00%0.00%-2 bps
Allowance / Loans3.96%3.61%3.49%3.43%3.37%-60 bps
Allowance Coverage of NPLs2.5x3.2x3.3x10.4x21.0x+18.4x
Capital
Tier 1 Leverage Ratio13.43%13.73%14.00%14.31%14.14%+71 bps
Total Risk-Based Capital13.43%13.73%14.00%14.31%14.14%+71 bps
Equity / Assets13.73%13.68%14.45%14.63%14.11%+38 bps
Liquidity & Funding
Loans / Deposits108.21%100.40%103.95%106.15%107.17%-104 bps
Liquid Assets / Assets2.32%2.41%2.67%2.58%3.36%+104 bps
CRE / Total Capitaln/a329%329%328%n/an/a