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Houston Bank & Trust

Houston, TX · Cert 59360

1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 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 TX (n=208 to 211). 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

99

Q2 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

0

Q2 2026Q2 2026peer median (50)

Liquidity

0

Q2 2026Q2 2026peer median

Efficiency

0

Q2 2026Q2 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

Houston Bank & Trust

Houston, TX · Cert 59360

1 branch

Q2 2026

$38.5MAssets
$632KLoans
$2.6MDeposits
$35.9MEquity

NIM

Non-interest income vs. expense

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #103 of 107 inst. · $0.0B of $360.4B

Executive Summary

  • Earnings: ROA of -53.11%; NIM at 0.54%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 93.01%.
  • Funding: loans stand at 23.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-53.11%

Net Interest Margin (YTD, annualized)

0.54%

Efficiency Ratio (YTD, annualized)

9841%

Tier 1 Leverage Ratio

93.01%

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets-53.11%n/an/a
Return on Equity-57.11%n/an/a
Net Interest Margin0.54%n/an/a
Efficiency Ratio9841%n/an/a
Non-Interest Burden53.61%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%n/an/a
Net Charge-Offs / Loans0.00%n/an/a
Allowance / Loans1.42%n/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ratio93.01%n/an/a
Total Risk-Based Capital93.01%n/an/a
Equity / Assets93.01%n/an/a
Liquidity & Funding
Loans / Deposits23.98%n/an/a
Liquid Assets / Assets83.32%n/an/a
CRE / Total Capitaln/an/an/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

Houston Bank & Trust

Houston, TX · Cert 59360 · Peer group: banks under $1B in assets in TX (n=208-211)

1 branch

Q2 2026

$38.5MAssets
$632KLoans
$2.6MDeposits
$35.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: efficiency ratio trails 100% of banks under $1B in assets in TX (rank 211 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-53.11%

Rank 211 of 211

Net Interest Margin

0.54%

Rank 211 of 211

Efficiency Ratio

9841%

Rank 211 of 211

Equity / Assets

93.01%

Rank 1 of 211

Non-interest income vs. expense

$0.0M$20.7MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 0% of banks under $1B in assets in TX
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-53.11%0.87%1.20%1.65%Beats 0%211 / 211
Return on Equity-57.11%7.52%11.67%14.58%Beats 0%211 / 211
Net Interest Margin0.54%3.28%3.82%4.31%Beats 0%211 / 211
Efficiency Ratio9841%53.01%64.18%73.65%Beats 0%211 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio93.01%11.72%14.45%19.57%Beats 99%3 / 211
Total Risk-Based Capital Ratio93.01%11.94%14.78%20.30%Beats 99%3 / 211
Equity / Assets93.01%9.41%11.06%12.94%Beats 100%1 / 211
Liquidity & Funding
Loans / Deposits23.98%45.39%66.56%82.03%5th pctl197 / 208
Loans / Assets1.64%39.13%56.90%70.46%1st pctl208 / 211
Brokered Deposits / Depositsn/aNot reported for this institution