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Houston Bank & Trust

Houston, TX · Cert 59360

1 branch

Q2 2026

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

NIM

Non-interest income vs. expense

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
Return on Assets-53.11%n/an/a
Net Interest Margin0.54%n/an/a
Non-Interest Burden53.61%n/an/a
Loan Growth (YoY)n/an/an/a
Nonperforming Loans / Loans0.00%n/an/a
Allowance / Loans1.42%n/an/a
Tier 1 Leverage Ratio93.01%n/an/a
Equity / Assets93.01%n/an/a
Liquid Assets / Assets83.32%n/an/a