BanksBANK OF HOUSTON

BANK OF HOUSTON

HOUSTON, TXMediumRSSD #583754
Latest · 2025-12-31

BANK OF HOUSTON is an FDIC-insured commercial bank headquartered in HOUSTON, TX. 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 4.06%. CET1 capital ratio: 12.90%, well above regulatory minimums. NPL ratio: 0.13% · Texas Ratio: 0.78%. Operates 2 domestic branches.

Assets
$744M
Deposits
$603M
Loans
$624M
Equity
$96M

Profitability

Return on Assets (ROA)1.56%
Return on Equity (ROE)12.43%
Net Interest Margin4.06%
Yield on Assets6.72%
Cost of Funds3.00%

Asset Quality

NPL Ratio0.13%
Net Charge-Off Ratio0.00%
Texas Ratio0.78%
NPA Ratio0.11%
ACL / Loans0.74%

Capital & Liquidity

CET1 Ratio12.90%
Tier 1 Capital12.90%
Total Capital Ratio13.54%
Leverage Ratio12.63%
Loan-to-Deposit103.50%

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