The Bank of Houston: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 23.08 percentage points in Q2 2026, from 57.19% to 34.11%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, The Bank of Houston sits 11th from the top on loan-to-deposit ratio, 107.17% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, The Bank of Houston reported 107.17% on loan-to-deposit ratio in Q2 2026, 39.55 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.8M |
| Net loans and leases | $53.0M |
| Loans held for sale | $12.6M |
| Loans to total assets | 81.39% |
| Loan-to-deposit ratio | 107.17% |
| Net loans to equity capital | 5.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.78% |
| Multifamily (5+ residential) | 1.38% |
| Commercial and industrial | 29.85% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 6.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.11% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.18% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $47.5M | $41.4M | 49.63% | 25.58% | 0.41% |
| Q4 2023 | $49.9M | $41.7M | 50.19% | 25.45% | 0.37% |
| Q1 2024 | $50.2M | $46.1M | 51.10% | 26.41% | 0.31% |
| Q2 2024 | $51.6M | $47.6M | 54.74% | 24.47% | 0.28% |
| Q3 2024 | $53.3M | $49.4M | 56.88% | 23.23% | 0.26% |
| Q4 2024 | $51.7M | $48.2M | 57.53% | 22.82% | 0.25% |
| Q1 2025 | $49.3M | $49.1M | 56.24% | 24.50% | 0.22% |
| Q2 2025 | $51.8M | $47.9M | 56.83% | 25.22% | 0.19% |
| Q3 2025 | $49.6M | $49.4M | 55.13% | 27.26% | 0.20% |
| Q4 2025 | $51.6M | $49.7M | 55.52% | 29.57% | 0.17% |
| Q1 2026 | $53.4M | $50.3M | 55.31% | 31.17% | 0.15% |
| Q2 2026 | $54.8M | $51.2M | 56.78% | 29.85% | 0.13% |
The Bank of Houston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Houston, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Houston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13960) · FFIEC NIC profile (RSSD 848453)