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
Unfavorable gap of $20.7M · efficiency ratio beats 0% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 0.54% | 3.28% | 3.82% | 4.31% | Beats 0% | 211 / 211 | |
| Efficiency Ratio | 9841% | 53.01% | 64.18% | 73.65% | Beats 0% | 211 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 93.01% | 11.72% | 14.45% | 19.57% | Beats 99% | 3 / 211 | |
| Total Risk-Based Capital Ratio | 93.01% | 11.94% | 14.78% | 20.30% | Beats 99% | 3 / 211 | |
| Equity / Assets | 93.01% | 9.41% | 11.06% | 12.94% | Beats 100% | 1 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 23.98% | 45.39% | 66.56% | 82.03% | 5th pctl | 197 / 208 | |
| Loans / Assets | 1.64% | 39.13% | 56.90% | 70.46% | 1st pctl | 208 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |