BANK OF HOUSTON

HOUSTON, TX | Medium | Est. Jan. 31, 1892, midnight | FDIC #3178 | RSSD #583754 | FDIC
Latest Report: 2025-12-31

BANK OF HOUSTON is amn medium FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Jan. 31, 1892, midnight. As of 2025-12-31, the bank reported total assets of $744M and total deposits of $603M. Profitability stands at 1.56% ROA and 12.43% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 12.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.78%. FDIC Certificate #3178.

Assets

$744M

Deposits

$603M

Loans

$624M

Equity

$96M

Profitability

Return on Assets (ROA) 1.56%
Return on Equity (ROE) 12.43%
Net Interest Margin (NIM) 4.32%
Yield on Assets 7.15%
Cost of Funds 3.00%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio --
Texas Ratio 0.78%
NPA Ratio 0.11%
ACL / Loans 0.74%

Capital & Liquidity

CET1 Ratio 12.84%
Tier 1 Capital 12.84%
Total Capital Ratio 13.48%
Leverage Ratio 12.63%
Loan-to-Deposit 103.50%

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