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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 75thStandingRank8-Qtr TrendPeer 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