The Bank of Houston
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Houston is an FDIC-insured commercial bank headquartered in Houston, MO, established in 1889 (FDIC certificate 13960), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.4M, up 4.9% from Q2 2025, the 185th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13960
- Headquarters
- Houston, MO
- Established
- 1889
- Total assets, Q2 2026
- $67.4M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 14.14%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081506358
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Houston call report
- Holding company
- SUMMIT BANCSHARES, INC
- Asset rank in state
- 185th of 191 in Missouri
The Bank of Houston earns an unusually wide margin on its lending. Its balance sheet stood at $67 million at June 30, 2026, up 4.9% from a year earlier; it is based in Houston, Missouri. It keeps 5.50 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 2.46% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Earnings jumped: net income for the quarter was $65,000, 150% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 1.57%. Costs are the weak spot: it spends about 89 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, The Bank of Houston reported a return on assets of 0.39%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
The Bank of Houston ranks as the 185th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.5% to $67.4M, loans rose 2.6% and deposits rose 1.6%. Owner-occupied commercial real estate loans made up 51.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 29.9%. The FDIC Summary of Deposits lists 2 offices for it, in Houston, MO and Wildwood, MO; its Houston office books 90% of its branch deposits. Judged on its Q2 2026 call report, The Bank of Houston meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 404 S Grand Ave, Houston, MO 65483
- County
- Texas
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 4, 1889
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $51.2M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $66.4M
- Average total loans
- $54.2M
- Average interest-bearing deposits
- $42.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 1934
- FDIC Cert
- 13960
- Fed RSSD
- 848453
- Website
- www.thebankofhouston.com →
- Parent Holding Company
- SUMMIT BANCSHARES, INC (RSSD 5297083)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Houston reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Houston's total assets ranged from $55.4M (Q3 2023) to $68.7M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$67.4M total assets against $64.2M; $57.9M total liabilities against $55.4M.
$53.0M net loans and leases against $49.7M; $51.2M total deposits against $47.9M.
$5.1M securities against $5.8M; $5.3M cash and balances due against $4.6M.
$1.2M total interest income against $1.1M; $310K total interest expense against $326K.
$880K net interest income against $818K.
$152K total noninterest income against $137K; $932K total noninterest expense against $852K.
$15K provision for credit losses against $70K.
$65K net income against $26K.
0.39% return on assets against 0.16%; 5.50% net interest margin against 5.19%.
14.14% tier 1 leverage ratio against 13.43%.
Inside the full The Bank of Houston terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Bank of Houston rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q2 2025) to 1.74% (Q1 2026) and its net interest margin ran from 5.11% (Q4 2024) to 5.61% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.14% | 0.39% | 0.16% | 0.81% | 5.50% |
| Q1 2026 | 14.31% | 1.74% | 0.33% | 1.64% | 5.42% |
| Q4 2025 | 14.00% | 0.39% | 1.06% | 5.25% | 5.37% |
| Q3 2025 | 13.73% | 1.03% | 1.12% | 5.40% | 5.15% |
| Q2 2025 | 13.43% | 0.16% | 1.57% | 7.87% | 5.19% |
| Q1 2025 | 13.46% | 0.82% | 0.98% | 4.77% | 5.61% |
| Q4 2024 | 12.37% | 1.18% | 1.01% | 5.27% | 5.11% |
| Q3 2024 | 12.28% | 0.72% | 0.00% | 0.00% | 5.40% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Houston | Houston , MO | 65483 | $46.2M |
| Wildwood Branch | Wildwood , MO | 63011 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 229 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 11 loans, $9.3M approved, $846K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Houston
What are The Bank of Houston's total assets?
As of the Q2 2026 filing, The Bank of Houston reported total assets of $67.4 million in its FFIEC call report.
Where is The Bank of Houston headquartered?
It is headquartered in Houston, MO, United States.
When was The Bank of Houston founded?
It was established in 1889, per the FDIC institution directory.
Is The Bank of Houston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Houston?
The Bank of Houston's primary federal regulator is the FDIC.
How many branches does The Bank of Houston operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Houston's Texas Ratio?
Its Texas Ratio is 0.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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