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Bank of Houston

Houston, TX · Cert 3178

State charter, non-member · 2 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q1 2026peer median (50)

Asset Quality

44

Q2 2024Q1 2026peer median (50)

Profitability

14

Q2 2024Q1 2026peer median (50)

Liquidity

0

Q2 2024Q1 2026peer median

Efficiency

5

Q2 2024Q1 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Houston

Houston, TX · Cert 3178

State charter, non-member · 2 branches

Q1 2026

$685.6MAssets
$631.9MLoans
$596.7MDeposits
$70.6MEquity
Loan mix
86%RE $542.8M14%C&I $88.2M0%Consumer $0.9MQ1 2025Q1 2026
Deposit mix
84%Interest-bearing $501.5M16%Noninterest $95.2MQ1 2025Q1 2026

NIM

6.24%Q1 ’246.44%Q1 ’256.34%Q1 ’26+14%+9%

Non-interest income vs. expense

1.94%Q1 ’241.98%Q1 ’257.17%Q1 ’26+2%+290%

Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.2% share · #43 of 109 inst. · $0.6B of $348.4B

0.2% Harris
2.8% Erath

Executive Summary

  • Earnings: ROA of -2.92%, down 423 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.12% of loans (-1 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.51%, down 236 bps from a year ago.
  • Funding: loans stand at 105.89% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.92%-423 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+32 bps YoY

Efficiency Ratio (YTD, annualized)

193.90%+13,957 bps YoY

Tier 1 Leverage Ratio

9.51%-236 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.37%1.45%1.48%-2.92%-423 bps
Return on Equity11.42%11.77%12.26%12.31%-24.99%-3,641 bps
Net Interest Margin3.54%3.52%3.63%3.69%3.86%+32 bps
Efficiency Ratio54.32%52.75%50.92%50.59%193.90%+13,957 bps
Non-Interest Burden1.88%1.81%1.80%1.82%7.33%+545 bps
Growth
Asset Growth (YoY)15.43%4.05%8.06%-0.99%-9.99%-2,542 bps
Loan Growth (YoY)11.96%6.97%4.28%-2.23%0.60%-1,136 bps
Deposit Growth (YoY)18.04%3.06%8.98%-0.55%-5.04%-2,308 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.21%0.19%0.13%0.12%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.11%+11 bps
Allowance / Loans0.71%0.71%0.71%0.74%0.74%+2 bps
Allowance Coverage of NPLs5.4x3.4x3.6x5.9x6.0x+0.6x
Capital
Tier 1 Leverage Ratio11.88%12.06%12.41%12.63%9.51%-236 bps
Total Risk-Based Capital11.88%12.06%12.41%12.63%9.51%-236 bps
Equity / Assets11.56%12.08%12.17%12.95%10.30%-126 bps
Liquidity & Funding
Loans / Deposits99.95%97.95%100.67%103.50%105.89%+594 bps
Liquid Assets / Assets13.36%14.00%13.67%12.03%3.86%-951 bps
CRE / Total Capitaln/an/a400%409%567%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Houston

Houston, TX · Cert 3178 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=22)

State charter, non-member · 2 branches

Q1 2026

$685.6MAssets
$631.9MLoans
$596.7MDeposits
$70.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 64% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 22).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 22 of 22).
  • Overall: at or above the peer median on 1 of 10 directional measures.

Return on Assets

-3.05%

Rank 22 of 22

Net Interest Margin

3.86%

Rank 13 of 22

Efficiency Ratio

193.95%

Rank 22 of 22

Equity / Assets

10.30%

Rank 13 of 22

Non-interest income vs. expense

-$1.2M$53.0MINCOMEEXPENSE
Unfavorable gap of $54.2M · efficiency ratio beats 5% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 193.95%Peer median 72.0%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.05%0.54%0.99%1.33%Beats 0%22 / 22
Return on Equity-29.55%4.20%8.32%14.54%Beats 0%22 / 22
Net Interest Margin3.86%3.28%4.11%4.43%Beats 41%13 / 22
Efficiency Ratio193.95%59.73%71.98%91.41%Beats 5%22 / 22
Asset Quality
Nonperforming Loans / Loans0.12%0.00%0.26%1.18%Beats 64%9 / 22
Net Charge-Offs / Loans0.03%n/a0.00%0.01%Beats 23%18 / 22
Capital
Tier 1 Capital Ratio9.51%12.88%17.20%20.08%Beats 0%22 / 22
Total Risk-Based Capital Ratio9.51%12.88%17.30%21.34%Beats 0%22 / 22
Equity / Assets10.30%9.02%11.27%14.58%Beats 41%13 / 22
Liquidity & Funding
Loans / Deposits105.89%61.46%75.91%95.25%91st pctl2 / 22
Loans / Assets92.17%54.11%68.34%74.32%95th pctl1 / 22
Brokered Deposits / Deposits0.79%n/a0.00%5.10%Beats 41%14 / 22