BANK OF HOUSTON, THE

HOUSTON, MO | Micro | Est. June 4, 1889, midnight | FDIC #13960 | RSSD #848453 | FDIC
Latest Report: 2025-12-31

BANK OF HOUSTON, THE is amn micro FDIC-insured commercial bank headquartered in HOUSTON, MO, established in June 4, 1889, midnight. As of 2025-12-31, the bank reported total assets of $63M and total deposits of $50M. Profitability stands at 0.38% ROA and 2.72% ROE, with a net interest margin of 5.59%. The bank's CET1 capital ratio is 13.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.93% and a Texas Ratio of 4.38%. FDIC Certificate #13960.

Assets

$63M

Deposits

$50M

Loans

$52M

Equity

$9M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 2.72%
Net Interest Margin (NIM) 5.59%
Yield on Assets 7.67%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.93%
Net Charge-Off Ratio 0.64%
Texas Ratio 4.38%
NPA Ratio 0.76%
ACL / Loans 3.49%

Capital & Liquidity

CET1 Ratio 13.24%
Tier 1 Capital 13.24%
Total Capital Ratio 13.90%
Leverage Ratio 14.00%
Loan-to-Deposit 103.95%

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